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Product Sales Data Reporting

Data Reference GuideVersion 45

August 2012

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Contents

Overview3What does this guide cover 3What is not covered 3Who should read this guide 3PSD XML document structure4PSD XML schemas 4Versions of PSD XML schemas5Further information5

Data formats details 6Document structures 6

Retail investment XML document structure 7Pure protection contracts XML document structure8Mortgage XML document structure 9Home Reversion XML document structure 11Home Purchase Plan XML document structure 12

Data element details14Header amp Core items data element details 14Retail investment specific data element details18Pure protection contracts specific data element details 22Mortgage specific data element details25Home Reversion data element details41Home Purchase Plan specific data element details46

Appendix A Examples of XML documents 59Retail investment document example59Pure protection contract product document example 60Mortgage document example 61Home Reversion document example 63Home Purchase Plan document example64

Issue Number Changes DateV10 Initial issue February 2005V20 Revised version issued prior to Go Live July 2005V30 Revised version with SIPPs changes April 2007V40 Revised version with Home Purchase Plan and

Home Reversion changesJuly 2007

V45 Updated to reflect migration of PSD onto GABRIEL

August 2012

3

Overview

What does this guide cover

This guide describes the data requirements for firms reporting Product Sales Data (PSD) using the FSAs GABRIEL (GAthering Better Regulatory Information ELectronically) Information about Product Sales Data Reporting can be found in SUP 1611 SUP 16 Annex 20 of the FSA handbook Further justification on PSD reporting can be found in Policy Statement 049 (PS049) Specific PSD information regarding Home Reversions and Home Purchase Plans can be found in Consultation Paper 0613 (CP0613)

Data for the following products is describedsect Retail Investmentssect Pure Protection Contractssect Mortgagessect Home Purchase Plans andsect Home Reversions

The guide gives information to help firms intending to report Product Sales Data using system to system data transfer or by web upload

System to system data transfer uses XML documents to transfer details from the firms own computer system to the FSA computer system Web upload allows firms to load an XML document using a web browser connected to the FSA reporting website

What is not covered

This guide explains only Product Sales Data reporting It does not cover the Retail Mediation Activities Return (RMAR) the Mortgage Lending and Administration Return (MLAR) or Securities Trades Reporting

This guide does not give any information about which product sales individual firms should report Firms can find out which reports are relevant to their own business from SUP 1611

We do not cover technical information about how to submit the XML documents in this guide

The guide only covers data submitted to us the FSA Guidance about how to interpret repliesfrom us which contain details of validation success or failure is in a separate document

Who should read this guideThis guide is intended for firms planning to submit Product Sales Data by system to system data transfer or web upload using XML documents It will be useful to IT professionals and others with an understanding of XML

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NoteSince SUP 1611 was published some details have been added to the XML documents for operational reasons and some definitions of reporting fields have changed The details in the schemas supersede those in SUP 1611 (SUP 1611 can be found at httpfsahandbookinfoFSAhtmlhandbookSUP1611 PS049 can be found at httpwwwfsagovukpubspolicyps04_09pdf while CP0613 cab be found at httpwwwfsagovukpubscpcp06_13pdf )

PSD XML document structureEach Product Sales Data XML document is made up of

1) Document ID detailsThese contain information used by our system to identify the type of document being submitted and the product type the document relates to They include the XML version declaration and schema namespace definition

2) HeaderThe header details identify the document and the firm submitting the document

3) Message The message has two partsbull Core items

These are transaction details which are common to all three types of productsbull Transaction details

These are details about the sale which are specific to the product type associated with the document

Each Product Sales Data XML document hasbull one set of document identification detailsbull one set of header details andbull one or more sets of message details There is no limit on the number of messages

that may be included in a document

Documents will be rejected if they are not of type xml

PSD XML schemasWe have published XSD schemas for firms to validate XML against the XSD while they are developing XML documents

There are six published schemas relating tobull retail investment detailsbull pure protection contract detailsbull mortgage detailsbull home purchase plan details bull home reversion details andbull common definitions

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Contents

Overview3What does this guide cover 3What is not covered 3Who should read this guide 3PSD XML document structure4PSD XML schemas 4Versions of PSD XML schemas5Further information5

Data formats details 6Document structures 6

Retail investment XML document structure 7Pure protection contracts XML document structure8Mortgage XML document structure 9Home Reversion XML document structure 11Home Purchase Plan XML document structure 12

Data element details14Header amp Core items data element details 14Retail investment specific data element details18Pure protection contracts specific data element details 22Mortgage specific data element details25Home Reversion data element details41Home Purchase Plan specific data element details46

Appendix A Examples of XML documents 59Retail investment document example59Pure protection contract product document example 60Mortgage document example 61Home Reversion document example 63Home Purchase Plan document example64

Issue Number Changes DateV10 Initial issue February 2005V20 Revised version issued prior to Go Live July 2005V30 Revised version with SIPPs changes April 2007V40 Revised version with Home Purchase Plan and

Home Reversion changesJuly 2007

V45 Updated to reflect migration of PSD onto GABRIEL

August 2012

3

Overview

What does this guide cover

This guide describes the data requirements for firms reporting Product Sales Data (PSD) using the FSAs GABRIEL (GAthering Better Regulatory Information ELectronically) Information about Product Sales Data Reporting can be found in SUP 1611 SUP 16 Annex 20 of the FSA handbook Further justification on PSD reporting can be found in Policy Statement 049 (PS049) Specific PSD information regarding Home Reversions and Home Purchase Plans can be found in Consultation Paper 0613 (CP0613)

Data for the following products is describedsect Retail Investmentssect Pure Protection Contractssect Mortgagessect Home Purchase Plans andsect Home Reversions

The guide gives information to help firms intending to report Product Sales Data using system to system data transfer or by web upload

System to system data transfer uses XML documents to transfer details from the firms own computer system to the FSA computer system Web upload allows firms to load an XML document using a web browser connected to the FSA reporting website

What is not covered

This guide explains only Product Sales Data reporting It does not cover the Retail Mediation Activities Return (RMAR) the Mortgage Lending and Administration Return (MLAR) or Securities Trades Reporting

This guide does not give any information about which product sales individual firms should report Firms can find out which reports are relevant to their own business from SUP 1611

We do not cover technical information about how to submit the XML documents in this guide

The guide only covers data submitted to us the FSA Guidance about how to interpret repliesfrom us which contain details of validation success or failure is in a separate document

Who should read this guideThis guide is intended for firms planning to submit Product Sales Data by system to system data transfer or web upload using XML documents It will be useful to IT professionals and others with an understanding of XML

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NoteSince SUP 1611 was published some details have been added to the XML documents for operational reasons and some definitions of reporting fields have changed The details in the schemas supersede those in SUP 1611 (SUP 1611 can be found at httpfsahandbookinfoFSAhtmlhandbookSUP1611 PS049 can be found at httpwwwfsagovukpubspolicyps04_09pdf while CP0613 cab be found at httpwwwfsagovukpubscpcp06_13pdf )

PSD XML document structureEach Product Sales Data XML document is made up of

1) Document ID detailsThese contain information used by our system to identify the type of document being submitted and the product type the document relates to They include the XML version declaration and schema namespace definition

2) HeaderThe header details identify the document and the firm submitting the document

3) Message The message has two partsbull Core items

These are transaction details which are common to all three types of productsbull Transaction details

These are details about the sale which are specific to the product type associated with the document

Each Product Sales Data XML document hasbull one set of document identification detailsbull one set of header details andbull one or more sets of message details There is no limit on the number of messages

that may be included in a document

Documents will be rejected if they are not of type xml

PSD XML schemasWe have published XSD schemas for firms to validate XML against the XSD while they are developing XML documents

There are six published schemas relating tobull retail investment detailsbull pure protection contract detailsbull mortgage detailsbull home purchase plan details bull home reversion details andbull common definitions

3

Overview

What does this guide cover

This guide describes the data requirements for firms reporting Product Sales Data (PSD) using the FSAs GABRIEL (GAthering Better Regulatory Information ELectronically) Information about Product Sales Data Reporting can be found in SUP 1611 SUP 16 Annex 20 of the FSA handbook Further justification on PSD reporting can be found in Policy Statement 049 (PS049) Specific PSD information regarding Home Reversions and Home Purchase Plans can be found in Consultation Paper 0613 (CP0613)

Data for the following products is describedsect Retail Investmentssect Pure Protection Contractssect Mortgagessect Home Purchase Plans andsect Home Reversions

The guide gives information to help firms intending to report Product Sales Data using system to system data transfer or by web upload

System to system data transfer uses XML documents to transfer details from the firms own computer system to the FSA computer system Web upload allows firms to load an XML document using a web browser connected to the FSA reporting website

What is not covered

This guide explains only Product Sales Data reporting It does not cover the Retail Mediation Activities Return (RMAR) the Mortgage Lending and Administration Return (MLAR) or Securities Trades Reporting

This guide does not give any information about which product sales individual firms should report Firms can find out which reports are relevant to their own business from SUP 1611

We do not cover technical information about how to submit the XML documents in this guide

The guide only covers data submitted to us the FSA Guidance about how to interpret repliesfrom us which contain details of validation success or failure is in a separate document

Who should read this guideThis guide is intended for firms planning to submit Product Sales Data by system to system data transfer or web upload using XML documents It will be useful to IT professionals and others with an understanding of XML

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NoteSince SUP 1611 was published some details have been added to the XML documents for operational reasons and some definitions of reporting fields have changed The details in the schemas supersede those in SUP 1611 (SUP 1611 can be found at httpfsahandbookinfoFSAhtmlhandbookSUP1611 PS049 can be found at httpwwwfsagovukpubspolicyps04_09pdf while CP0613 cab be found at httpwwwfsagovukpubscpcp06_13pdf )

PSD XML document structureEach Product Sales Data XML document is made up of

1) Document ID detailsThese contain information used by our system to identify the type of document being submitted and the product type the document relates to They include the XML version declaration and schema namespace definition

2) HeaderThe header details identify the document and the firm submitting the document

3) Message The message has two partsbull Core items

These are transaction details which are common to all three types of productsbull Transaction details

These are details about the sale which are specific to the product type associated with the document

Each Product Sales Data XML document hasbull one set of document identification detailsbull one set of header details andbull one or more sets of message details There is no limit on the number of messages

that may be included in a document

Documents will be rejected if they are not of type xml

PSD XML schemasWe have published XSD schemas for firms to validate XML against the XSD while they are developing XML documents

There are six published schemas relating tobull retail investment detailsbull pure protection contract detailsbull mortgage detailsbull home purchase plan details bull home reversion details andbull common definitions

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NoteSince SUP 1611 was published some details have been added to the XML documents for operational reasons and some definitions of reporting fields have changed The details in the schemas supersede those in SUP 1611 (SUP 1611 can be found at httpfsahandbookinfoFSAhtmlhandbookSUP1611 PS049 can be found at httpwwwfsagovukpubspolicyps04_09pdf while CP0613 cab be found at httpwwwfsagovukpubscpcp06_13pdf )

PSD XML document structureEach Product Sales Data XML document is made up of

1) Document ID detailsThese contain information used by our system to identify the type of document being submitted and the product type the document relates to They include the XML version declaration and schema namespace definition

2) HeaderThe header details identify the document and the firm submitting the document

3) Message The message has two partsbull Core items

These are transaction details which are common to all three types of productsbull Transaction details

These are details about the sale which are specific to the product type associated with the document

Each Product Sales Data XML document hasbull one set of document identification detailsbull one set of header details andbull one or more sets of message details There is no limit on the number of messages

that may be included in a document

Documents will be rejected if they are not of type xml

PSD XML schemasWe have published XSD schemas for firms to validate XML against the XSD while they are developing XML documents

There are six published schemas relating tobull retail investment detailsbull pure protection contract detailsbull mortgage detailsbull home purchase plan details bull home reversion details andbull common definitions

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Common definitions are details or data types which are common to all three product types and which are included in more than one of the other schemas (eg FSA reference number)

The PSD schema s can be foundbull retail investment details

o httpwwwfsagovukpagesDoingRegulatedReturnsIRRgabrielsystemdrgpsd002shtml

bull pure protection contract detailso httpwwwfsagovukpagesDoingRegulatedReturnsIRRgabrielsystemdrgps

d003shtmlbull mortgage schema

o httpwwwfsagovukpagesDoingRegulatedReturnsIRRgabrielsystemdrgpsd001shtml

bull home reversion detailso httpwwwfsagovukpagesDoingRegulatedReturnsIRRgabrielsystemdrgps

d004shtmlbull home purchase plan details

o httpwwwfsagovukpagesDoingRegulatedReturnsIRRgabrielsystemdrgpsd005shtml

bull common definitions o

httpwwwfsagovukdoingregulatedreturnsirrgabrielsystemdrgpsdcommontypesshtml

Versions of PSD XML schemas

All schemas have been assigned a version number to accommodate future changes

The current versions are

retail investment details FSAFeedRI 12pure protection contract details FSAFeedPP 12mortgage details FSAFeedMG 12home purchase plan details FSAHSFFeedHP 20home reversion details FSAHSFFeedHR 20common definitions FSAFeedCommon 12

XML version 10

When new versions become necessary we will give firms at least three months notice that the new version is to be used from a specified date After that date we will no longer accept the earlier versions of the schema If the new version affects processing of cancellations we will publish additional guidance with the new schema

Further information

If you have any questions about this guide please contact us using the details on our website

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Data formats details

This section has two partsbull Document structures andbull Data element details

Document structures are shown as tables describing the structure of the XML documents required for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan) The tables give information about how to populate XML namespaces and similar fields

Data element details are shown as tables which provide information about how to populate the XML elements making up the XML documents for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan) The data elements are shown grouped into product type and in the order in which they occur in the corresponding XML document

The data element descriptions contain information about the business validation rules for each element The XML schemas enforce some of these rules automatically If you require further details you can find them in the published schemas

Document structures

The element references in the tables below are constructed as followsbull The numbers indicate the elements position in the documentbull The letters indicate whether the element is defined in the common definitions

schema or is specific to a product typeo C = element is defined in the common definitions schemao RI = element is specific to retail investment XML documentso PP = element is specific to pure protection contracts XML documentso MG = element is specific to mortgage XML documentso HR = element is specific to home reversion XML documents ando HP = element is specific to home purchase plan XML documents

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Retail investment XML document structure

Element Reference

XML Element Tag Notes

10 Document ID DetailsRI 11 XML Version Declaration see Versions of PSD XML Schemas for current versionRI12 FSAHSFFeedRI Schema

NamespaceUse httpwwwfsagovukXMLSchemaFSAFeedRI-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

20 Header DetailsRI21 FSAFeedHeader Schema

NamespaceUse httpwwwfsagovukXMLSchemaFSAFeedCommon-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

C211 FeedTargetSchemaVersion See Data element details

C212 Submitter This XML tag identifies the start of the complex element which holds firm identification details

C2121 SubmittingFirm See Data element detailsC2122 SubmittingDept See Data element details

C213 ReportDetails This XML tag identifies the start of the complex element which holds document identification details

C2131 ReportCreationDate See Data element detailsC2131 ReportIdentifier See Data element details

30 Message DetailsRI31 FSAHSFFeedRIMsg This XML tag identifies the start of the complex element which holds

message details311 Core Items DetailsRI3111 CoreItems Schema

NamespaceUse httpwwwfsagovukXMLSchemaFSAFeedCommon-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

C31111 FirmFSARef See Data element detailsC31112 TransRef See Data element detailsC31113 Cancellation See Data element details

312 Transaction DetailsRI3121 RetailInvestment This XML tag identifies the start of the retail investment product specific

transaction details

RI31211 PrincipalOrNetworkFSARef See Data element detailsRI31212 TypePolicy See Data element detailsRI31213 AdvisedSale See Data element detailsRI31214 CustPostCode See Data element detailsRI31215 PremPaymentMethod See Data element detailsRI31216 TotalPremAmt See Data element detailsRI31217 CustDOB See Data element detailsRI31218 DateInForce See Data element details

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Retail investment XML document structure

Element Reference

XML Element Tag Notes

10 Document ID DetailsRI 11 XML Version Declaration see Versions of PSD XML Schemas for current versionRI12 FSAHSFFeedRI Schema

NamespaceUse httpwwwfsagovukXMLSchemaFSAFeedRI-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

20 Header DetailsRI21 FSAFeedHeader Schema

NamespaceUse httpwwwfsagovukXMLSchemaFSAFeedCommon-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

C211 FeedTargetSchemaVersion See Data element details

C212 Submitter This XML tag identifies the start of the complex element which holds firm identification details

C2121 SubmittingFirm See Data element detailsC2122 SubmittingDept See Data element details

C213 ReportDetails This XML tag identifies the start of the complex element which holds document identification details

C2131 ReportCreationDate See Data element detailsC2131 ReportIdentifier See Data element details

30 Message DetailsRI31 FSAHSFFeedRIMsg This XML tag identifies the start of the complex element which holds

message details311 Core Items DetailsRI3111 CoreItems Schema

NamespaceUse httpwwwfsagovukXMLSchemaFSAFeedCommon-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

C31111 FirmFSARef See Data element detailsC31112 TransRef See Data element detailsC31113 Cancellation See Data element details

312 Transaction DetailsRI3121 RetailInvestment This XML tag identifies the start of the retail investment product specific

transaction details

RI31211 PrincipalOrNetworkFSARef See Data element detailsRI31212 TypePolicy See Data element detailsRI31213 AdvisedSale See Data element detailsRI31214 CustPostCode See Data element detailsRI31215 PremPaymentMethod See Data element detailsRI31216 TotalPremAmt See Data element detailsRI31217 CustDOB See Data element detailsRI31218 DateInForce See Data element details

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Pure protection contracts XML document structure

Element Reference

XML Element Tag Notes

10 Document ID DetailsPP11 XML Version Declaration see Versions of PSD XML Schemas for current versionsPP12 FSAHSFFeedPP Schema

NamespaceUse httpwwwfsagovukXMLSchemaFSAFeedPP-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

20 Header DetailsPP21 FSAFeedHeader Schema

NamespaceUse httpwwwfsagovukXMLSchemaFSAFeedCommon-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

C211 FeedTargetSchemaVersion See Data element details

C212 Submitter This XML tag identifies the start of the complex element which holds firm identification details

C2121 SubmittingFirm See Data element detailsC2122 SubmittingDept See Data element details

C213 ReportDetails This XML tag identifies the start of the complex element which holds document identification details

C2131 ReportCreationDate See Data element detailsC2132 ReportIdentifier See Data element details

30 Message DetailsPP31 FSAHSFFeedPPMsg This XML tag identifies the start of the complex element which holds

message details

311 Core Items DetailsPP3111 CoreItems Schema

NamespaceUse httpwwwfsagovukXMLSchemaFSAFeedCommon-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

C31111 FirmFSARef See Data element detailsC31112 TransRef See Data element detailsC31113 Cancellation See Data element details

312 Transaction DetailsPP3121 PureProtection This XML tag identifies the start of the pure protection contract product

specific transaction details

PP31211 PrincipalOrNetworkFSARef See Data element detailsPP31212 TypePolicy See Data element detailsPP31213 AdvisedSale See Data element detailsPP31214 PremPaymentMethod See Data element detailsPP31215 TotalPremAmt See Data element detailsPP31216 DateInForce See Data element details

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Mortgage XML document structure

Element Reference

XML Element Tag Notes

10 Document ID DetailsMG11 XML Version Declaration see Versions of PSD XML Schemas for current versionsMG12 FSAHSFFeedMG Schema

NamespaceUse httpwwwfsagovukXMLSchemaFSAFeedMG-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

20 Header DetailsMG21 FSAFeedHeader Schema

NamespaceUse httpwwwfsagovukXMLSchemaFSAFeedCommon-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

C211 FeedTargetSchemaVersion See Data element details

C212 Submitter This XML tag identifies the start of the complex element which holds firm identification details

C2121 SubmittingFirm See Data element detailsC2122 SubmittingDept See Data element details

C213 ReportDetails This XML tag identifies the start of the complex element which holds document identification details

C2131 ReportCreationDate See Data element detailsC2132 ReportIdentifier See Data element details

30 Message DetailsMG31 FSAHSFFeedMGMsg This XML tag identifies the start of the complex element which

holds message details

311 Core Items DetailsMG3111 CoreItems Schema Namespace Use

httpwwwfsagovukXMLSchemaFSAFeedCommon-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

C31111 FirmFSARef See Data element detailsC31112 TransRef See Data element detailsC31113 Cancellation See Data element details

312 Transaction DetailsMG3121 Mortgage This XML tag identifies the start of the mortgage product specific

transaction details

MG31211 PrincipalOrNetworkFSARef See Data element detailsMG31212 AcctOpenDate See Data element detailsMG31213 AdvisedSale See Data element detailsMG31214 TypeIntRate See Data element detailsMG31215 MtgeCharsList This XML tag identifies the start of the mortgage characteristics

elementMG312151 MtgeChar See Data element detailsMG31216 PropertyPostCode See Data element detailsMG31217 TypeBorrower See Data element detailsMG31218 RepayMethod See Data element detailsMG31219 MtgeTerm See Data element detailsMG312110 LoanAmt See Data element details

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Element Reference

XML Element Tag Notes

MG312111 PropertyValue See Data element detailsMG312112 IncomeBasis See Data element detailsMG312113 MainDOB See Data element detailsMG312114 RemtgePurpose See Data element detailsMG312115 MainEmpStatus See Data element detailsMG312116 GrossIncome See Data element detailsMG312117 IncomeVerification See Data element detailsMG312118 MainBorrowerCCJValue See Data element detailsMG312119 SecondBorrowerCCJValue See Data element detailsMG312120 MainBorrowerImpCredHistList This XML tag identifies the start of the main borrower impaired

credit history elementMG3121201 MainBorrowerImpCredHist See Data element detailsMG312121 SecondBorrowerImpCredHistList This XML tag identifies the start of the second borrower impaired

credit history elementMG3121211 SecondBorrowerImpCredHist See Data element detailsMG312122 InitialGrossIntRate See Data element detailsMG312123 DateIncentiveRateEnds See Data element detailsMG312124 DateERCEnds See Data element detailsMG312125 PurchasePrice See Data element detailsMG312126 TypeDwelling See Data element detailsMG312127 NumHabitableRooms See Data element detailsMG312128 NumBedrooms See Data element detailsMG312129 NewDwelling See Data element detailsMG312130 GarageInc See Data element detailsMG312131 MtgeProtectionPlanInc See Data element details

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Home Reversion XML document structure

Element Reference

XML Element Tag Notes

10 Document ID DetailsHR11 XML Version Declaration see Versions of PSD XML Schemas for current versionsHR12 FSAHSFFeedHR Schema

NamespaceUse httpwwwfsagovukXMLSchemaFSAHSFFeedHR-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

20 Header DetailsHR21 FSAFeedHeader Schema

NamespaceUse httpwwwfsagovukXMLSchemaFSAFeedCommon-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

C211 FeedTargetSchemaVersion See Data element details

C212 Submitter This XML tag identifies the start of the complex element which holds firm identification details

C2121 SubmittingFirm See Data element detailsC2122 SubmittingDept See Data element details

C213 ReportDetails This XML tag identifies the start of the complex element which holds document identification details

C2131 ReportCreationDate See Data element detailsC2132 ReportIdentifier See Data element details

30 Message DetailsHR31 FSAHSFFeedHRsg This XML tag identifies the start of the complex element which holds

message details

311 Core Items DetailsHR3111 CoreItems Schema

NamespaceUsehttpwwwfsagovukXMLSchemaFSAFeedCommon-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

C31111 FirmFSARef See Data element detailsC31112 TransRef See Data element detailsC31113 Cancellation See Data element details

312 Transaction DetailsHR3121 Home Reversion This XML tag identifies the start of the home reversion product

specific transaction details

HR31211 PrincipalOrNetworkFSARef See Data element detailsHR31212 RevPlanDate See Data element detailsHR31213 AdvisedSale See Data element detailsHR31214 ReversionCharsList This XML tag identifies the start of the reversion characteristics

elementHR312141 ReversionChar See Data element detailsHR31215 PropertyPostCode See Data element detailsHR31216 Reversion Sum See Data element detailsHR31217 FullMktPropertyValue See Data element detailsHR31218 DiscRevrtPropertyValue See Data element detailsHR31219 MainDOB See Data element detailsHR312110 PurposeReversion See Data element details

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Home Reversion XML document structure

Element Reference

XML Element Tag Notes

10 Document ID DetailsHR11 XML Version Declaration see Versions of PSD XML Schemas for current versionsHR12 FSAHSFFeedHR Schema

NamespaceUse httpwwwfsagovukXMLSchemaFSAHSFFeedHR-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

20 Header DetailsHR21 FSAFeedHeader Schema

NamespaceUse httpwwwfsagovukXMLSchemaFSAFeedCommon-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

C211 FeedTargetSchemaVersion See Data element details

C212 Submitter This XML tag identifies the start of the complex element which holds firm identification details

C2121 SubmittingFirm See Data element detailsC2122 SubmittingDept See Data element details

C213 ReportDetails This XML tag identifies the start of the complex element which holds document identification details

C2131 ReportCreationDate See Data element detailsC2132 ReportIdentifier See Data element details

30 Message DetailsHR31 FSAHSFFeedHRsg This XML tag identifies the start of the complex element which holds

message details

311 Core Items DetailsHR3111 CoreItems Schema

NamespaceUsehttpwwwfsagovukXMLSchemaFSAFeedCommon-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

C31111 FirmFSARef See Data element detailsC31112 TransRef See Data element detailsC31113 Cancellation See Data element details

312 Transaction DetailsHR3121 Home Reversion This XML tag identifies the start of the home reversion product

specific transaction details

HR31211 PrincipalOrNetworkFSARef See Data element detailsHR31212 RevPlanDate See Data element detailsHR31213 AdvisedSale See Data element detailsHR31214 ReversionCharsList This XML tag identifies the start of the reversion characteristics

elementHR312141 ReversionChar See Data element detailsHR31215 PropertyPostCode See Data element detailsHR31216 Reversion Sum See Data element detailsHR31217 FullMktPropertyValue See Data element detailsHR31218 DiscRevrtPropertyValue See Data element detailsHR31219 MainDOB See Data element detailsHR312110 PurposeReversion See Data element details

12

Home Purchase Plan XML document structure

Element Reference

XML Element Tag Notes

10 Document ID DetailsHP11 XML Version Declaration see Versions of PSD XML Schemas for current versionsHP12 FSAHSFFeedHP Schema

NamespaceUse httpwwwfsagovukXMLSchemaFSAHSFFeedHP-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

20 Header DetailsHP21 FSAFeedHeader Schema

NamespaceUse httpwwwfsagovukXMLSchemaFSAFeedCommon-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

C211 FeedTargetSchemaVersion See Data element details

C212 Submitter This XML tag identifies the start of the complex element which holds firm identification details

C2121 SubmittingFirm See Data element detailsC2122 SubmittingDept See Data element details

C213 ReportDetails This XML tag identifies the start of the complex element which holds document identification details

C2131 ReportCreationDate See Data element detailsC2132 ReportIdentifier See Data element details

30 Message DetailsHP31 FSAHSFFeedHPsg This XML tag identifies the start of the complex element which

holds message details

311 Core Items DetailsHP3111 CoreItems Schema Namespace Use

httpwwwfsagovukXMLSchemaFSAFeedCommon-vn-nxsdVersion (n-n) - see Versions of PSD XML Schemas for current versions

C31111 FirmFSARef See Data element detailsC31112 TransRef See Data element detailsC31113 Cancellation See Data element details

312 Transaction DetailsHP3121 Home Purchase Plan This XML tag identifies the start of the home purchase plan

product specific transaction details

HP31211 PrincipalOrNetworkFSARef See Data element detailsHP31212 HPPAcctOpenDate See Data element detailsHP31213 AdvisedSale See Data element detailsHP31214 TypeRentRate See Data element detailsHP31215 HPPCharsList This XML tag identifies the start of the home purchase plan

characteristics elementHP312151 HPPChar See Data element detailsHP31216 TypeHomeBuyer See Data element detailsHP31217 HPPTerm See Data element detailsHP31218 HPPAmountGranted See Data element detailsHP31219 PropertyValue See Data element detailsHP312110 IncomeBasis See Data element details

13

Element Reference

XML Element Tag Notes

HP312111 MainDOB See Data element detailsHP312112 MainEmpStatus See Data element detailsHP312113 GrossIncome See Data element detailsHP312114 IncomeVerification See Data element detailsHP312115 MainHomeBuyerCCJValue See Data element detailsHP312116 SecondHomeBuyerCCJValue See Data element detailsHP312117 MainHomeBuyerImpCredHistList This XML tag identifies the start of the main home buyer

impaired credit history elementHP3121171 MainHomeBuyerImpCredHist See Data element detailsHP312118 SecondHomeBuyerImpCredHistL

istThis XML tag identifies the start of the second home buyerimpaired credit history element

HP3121181 SecondHomeBuyerImpCredHist See Data element detailsHP312119 InitialGrossRentRate See Data element detailsHP312120 DateIncentiveRateEnds See Data element detailsHP312121 PurchasePrice See Data element detailsHP312122 TypeDwelling See Data element detailsHP312123 NumHabitableRooms See Data element detailsHP312124 NumBedrooms See Data element detailsHP312125 NewDwelling See Data element detailsHP312126 GarageInc See Data element detailsHP312127 HPProtectionPlanInc See Data element details

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Data element details

Header amp Core items data element details

Meta Data ValueXML Schema reference C211Business Name Schema versionName of reporting field in Policy Statement 04 9

NA

Description The version number of the retail investment pure protection products mortgage schema to be used

XML element Tag FeedTargetSchemaVersionXML format StringValidation Input is mandatory

Must be the current schema version Values (see Versions of PSD XML Schemas for current versions)Comments

Meta Data ValueXML Schema reference C2121Business Name Product Providers IDName of reporting field in Policy Statement 04 9

FSA Reference of the product provider

Description The FSA reference code of the firm who provided (created) the product This is the firm who is required by the FSA to report (or submit) details of sales of their productsThe product provider may generate XML documents with details of their products sales and submit these documents to the FSA themselves (ie direct reporting) or may decide to appoint a reporting agent to do this work on their behalf In this instance the third party will use the product providers (creators) FSA number

XML element Tag SubmittingFirmXML format String

[1-9]1[0-9]56Validation Input is mandatory

Must be a valid FSA Reference NumberThe FSA reference number input will be validated against a list of authorised firms who are expected to submit reports to the FSA either by system to system data transfer or Web upload The submission method (system to system data transfer or Web upload) and document type (retail investment pure protection contracts mortgage) must correspond to that expected for the firm identified here

ValuesComments This field is not used to identify the reporting agent (if any) It

always identifies the product provider

15

Meta Data ValueXML Schema reference C2122Business Name Provider departmentName of reporting field in Policy Statement 04 9

NA

Description Identifies a department in the Product Providers organisation XML element Tag SubmittingDeptXML format String

whiteSpace collapseminLength 1maxLength 20[a-zA-Z0-9]+

Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference C2131Business Name Report creation dateName of reporting field in Policy Statement 04 9

NA

Description The date on which the XML document was createdXML element Tag ReportCreationDateXML format DateValidation Input is mandatoryValuesComments

Meta Data ValueXML Schema reference C2132Business Name Document referenceName of reporting field in Policy Statement 04 9

NA

Description A reference which identifies the XML document for a given Report Creation Date Provider Department (if any) and Product Provider

XML element Tag ReportIdentifierXML format String

whiteSpace collapseminLength 1maxLength 25

Validation Input is mandatoryValues Must be unique for a given ReportCreationDate SubmittingDept

(if any) and SubmittingFirmComments

Meta Data Value

16

XML Schema reference C31111Business Name Selling firms FSA referenceName of reporting field in Policy Statement 04 9

FSA Reference number of the firm which sold the product

Description The FSA reference number of the firm who sold the product ndashFor direct sales this is the product providers FSA reference number or For sales via an intermediary firm this is the intermediary firms FSA reference number

XML element Tag FirmFSARefXML format String

[1-9]1[0-9]56Validation Input is mandatoryValuesComments

Meta Data ValueXML Schema reference C31112Business Name Transaction referenceName of reporting field in Policy Statement 04 9

NA

Description A unique reference for the transaction internal to the reporting firm that will enable the firm to provide the FSA with more information concerning the transaction if required eg the policy number account number application number etc

XML element Tag TransRefXML format String

whiteSpace collapseminLength 1maxLength 25

Validation Input is mandatoryThis reference must be unique within each XML document for a specific reporting firm except for cancellations ie two messages may have the same reference but one of these must be marked as a cancellationSee also Cancel Indicator below

ValuesComments The format and content of the reference is at the discretion of the

firm making the report

17

Meta Data ValueXML Schema reference C31113Business Name Cancel IndicatorName of reporting field in Policy Statement 04 9

NA

Description Indicates that the transaction is a cancellation XML element Tag Cancellation XML format BooleanValidation Input is optionalValuesComments This field can be used to either cancel a transaction or to correct

a previously submitted transaction that has incorrect details

To correct a previously submitted transaction that was in error the firm should send a cancelling transaction (as described below) followed by a new transaction with the correct details The original its cancellation and the new correct transaction can be transmitted in the same report if required

The new correct transaction must have a different TransRef to the original and its cancellation

(See also TransRef above)

All fields in the cancelling transaction (except the cancellation field) must have the same data values as the corresponding fields in the (original) transaction which is to be cancelled ie The original transaction and the transaction which cancels it must have identical data except for the field cancellation This field is false in the original transaction and True in the cancelling transactionIf omitted this is logically the same as providing a value of false

18

Retail investment specific data element details

Meta Data ValueXML Schema reference RI31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference RI31212Business Name Product TypeName of reporting field in Policy Statement 04 9

Product type

Description A code which uniquely identifies the type of retail investment product sold eg personal pension

XML element Tag TypePolicyXML format StringValidation Input is mandatoryValues 01 = Unit Trust OEIC

02 = Investment Trust03 = ISA04 = Structured capital at risk product05 = With profit bond06 = Unit linked bond07 = Distribution bond08 = With profit endowment09 = Endowment savings plan10 = Mortgage endowment11 = Guaranteed income growth investment bond12 = Trustee investment bond13 = Life annuity14 = Pension annuity15 = Long term care insurance16 = Stakeholder pension17 = Personal pension18 = Group personal pension19 = FSAVC

19

20 = Individual pension transfer21 = Pension opt out22 = Section 32 buy out23 = Group section 32 buy out24 = Income drawdown25 = Executive pension26 = SSAS27 = Group money purchase 28 = AVC final salary29 = AVC group money purchase30 = Self Invested Personal Pension99 = Other Use this when product is not one of the above

Comments

Meta Data ValueXML Schema reference RI31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input

Y = advisedN = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 July 2006

Meta Data ValueXML Schema reference RI31214Business Name Customers post codeName of reporting field in Policy Statement 04 9

Post code of customer

Description The full UK post code of the first named customer only(eg XY45 6XX)

XML element Tag CustPostCodeXML format String

maxLength 8Validation Input is optionalValuesComments

20

Meta Data ValueXML Schema reference RI31215Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium contribution payment

Description Identifies whether the premium contribution is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference RI31216Business Name Annual total amount of contribution or premiumName of reporting field in Policy Statement 04 9

Total premium Contribution amount

Description The total annual amount of premium or contribution to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

Meta Data ValueXML Schema reference RI31217Business Name Customers date of birthName of reporting field in Policy Statement 04 9

Date of birth

Description The date of birth of the first named customer (obtained at proposal stage)

XML element Tag CustDOBXML format DateValidation Input is optional

If input ndash the date of birth must represent an age up to and including 115

ValuesComments

21

Meta Data ValueXML Schema reference RI31218Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

22

Pure protection contracts specific data element details

Meta Data ValueXML Schema reference PP31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms principal or network (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference PP31212Business Name Type of policyName of reporting field in Policy Statement 04 9

Policy type

Description A code which uniquely identifies the type of pure protectioncontract sold eg income protection

XML element Tag TypePolicyXML format StringValidation Input is mandatoryValues 01 = Income Protection

02 = Standalone critical illness03 = Critical illness (sold as a rider benefit to mortgage protection and term assurance contract)99 = Other Use this when product is not one of the above

Comments

23

Meta Data ValueXML Schema reference PP31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advise from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference PP31214Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium payment

Description Identifies whether the premium is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference PP31215Business Name Annual total amount of premiumName of reporting field in Policy Statement 04 9

Total premium amount

Description The total annual amount of premium to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format PositiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

24

Meta Data ValueXML Schema reference PP31216Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

25

Mortgage specific data element details

Meta Data ValueXML Schema reference MG31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference MG31212Business Name Date mortgage account openedName of reporting field in Policy Statement 04 9

Date mortgage account opened

Description The date of mortgage completion or draw-down of the funds

XML element Tag AcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before April-01-2005

Values

26

Meta Data ValueXML Schema reference MG31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference MG31214Business Name Type of interest rateName of reporting field in Policy Statement 04 9

Interest rate type

Description A code which uniquely identifies the type of interest rate applied to the mortgage eg fixed rate

XML element Tag TypeIntRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues 01 = Fixed rate

02 = Discounted variable rate03 = Tracker04 = Capped rate05 = Standard variable rate99 = Other Use this when product is not one of the above

Comments Where the mortgage has been set up with different interest rate types report the interest rate type applicable to the largest portion of the overall mortgage balance

Meta Data ValueXML Schema reference MG312151Business Name Mortgage characteristicsName of reporting fieldin Policy Statement 04 9

Mortgage characteristics

Description A code which uniquely identifies additional features of the mortgage such as that the mortgage is a shared appreciation mortgage Up to 5 characteristics can apply to each mortgage sold

XML element Tag MtgeChar

27

XML format StringmaxOccurs 5

Validation Input is optionalUp to 5 codes may be used for a transactionIf more than one code applies all applicable codes should be reported

Values If inputCB = Cashback This should only be reported where it is linked to a variable mortgage interest rate and where the cashback is not being provided as an incentive to pay legal costs and valuation feesFF = Flexible features (allowing overpayments and underpayments)OS = Offset positive and negative balancesL = The loan is a lifetime mortgageSA = The loan is a shared appreciation mortgage

Comments

Meta Data ValueXML Schema reference MG31216Business Name Property post codeName of reporting fieldin Policy Statement 04 9

Post code of the mortgaged property

Description The UK post code of mortgaged property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

28

Meta Data ValueXML Schema reference MG31217Business Name Type of borrowerName of reporting field in Policy Statement 04 9

Type of borrower

Description A code which uniquely identifies the type of borrowerXML element Tag TypeBorrowerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home movers (2nd or subsequent buyers)R = Remortgagors C = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

Meta Data ValueXML Schema reference MG31218Business Name Method of repaymentName of reporting field in Policy Statement 04 9

Method of repayment

Description A code which uniquely identifies the method of repayment of the mortgage

XML element Tag RepayMethodXML format String Validation Input is mandatory

Only one code can be enteredValues C = Capital and interest

E = Interest only endowmentI = Interest only ISAP = Interest only pensionU = Interest only unknownM = Mix of capital and interest and interest onlyN = Not known

Comments

29

Meta Data ValueXML Schema reference MG31219Business Name Term of mortgageName of reporting field in Policy Statement 04 9

Term of mortgage

Description The number of whole years that the mortgage will be in forceXML element Tag MtgeTermXML format positiveInteger

totalDigits 2Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference MG312110Business Name Size of loanName of reporting field in Policy Statement 04 9

Size of loan

Description The original interest bearing balance when the mortgage was completed represented as a sterling-equivalent amount

XML element Tag LoanAmtXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 150 of property valuationValues Range from 1 to 999999999Comments

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

14

Data element details

Header amp Core items data element details

Meta Data ValueXML Schema reference C211Business Name Schema versionName of reporting field in Policy Statement 04 9

NA

Description The version number of the retail investment pure protection products mortgage schema to be used

XML element Tag FeedTargetSchemaVersionXML format StringValidation Input is mandatory

Must be the current schema version Values (see Versions of PSD XML Schemas for current versions)Comments

Meta Data ValueXML Schema reference C2121Business Name Product Providers IDName of reporting field in Policy Statement 04 9

FSA Reference of the product provider

Description The FSA reference code of the firm who provided (created) the product This is the firm who is required by the FSA to report (or submit) details of sales of their productsThe product provider may generate XML documents with details of their products sales and submit these documents to the FSA themselves (ie direct reporting) or may decide to appoint a reporting agent to do this work on their behalf In this instance the third party will use the product providers (creators) FSA number

XML element Tag SubmittingFirmXML format String

[1-9]1[0-9]56Validation Input is mandatory

Must be a valid FSA Reference NumberThe FSA reference number input will be validated against a list of authorised firms who are expected to submit reports to the FSA either by system to system data transfer or Web upload The submission method (system to system data transfer or Web upload) and document type (retail investment pure protection contracts mortgage) must correspond to that expected for the firm identified here

ValuesComments This field is not used to identify the reporting agent (if any) It

always identifies the product provider

15

Meta Data ValueXML Schema reference C2122Business Name Provider departmentName of reporting field in Policy Statement 04 9

NA

Description Identifies a department in the Product Providers organisation XML element Tag SubmittingDeptXML format String

whiteSpace collapseminLength 1maxLength 20[a-zA-Z0-9]+

Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference C2131Business Name Report creation dateName of reporting field in Policy Statement 04 9

NA

Description The date on which the XML document was createdXML element Tag ReportCreationDateXML format DateValidation Input is mandatoryValuesComments

Meta Data ValueXML Schema reference C2132Business Name Document referenceName of reporting field in Policy Statement 04 9

NA

Description A reference which identifies the XML document for a given Report Creation Date Provider Department (if any) and Product Provider

XML element Tag ReportIdentifierXML format String

whiteSpace collapseminLength 1maxLength 25

Validation Input is mandatoryValues Must be unique for a given ReportCreationDate SubmittingDept

(if any) and SubmittingFirmComments

Meta Data Value

16

XML Schema reference C31111Business Name Selling firms FSA referenceName of reporting field in Policy Statement 04 9

FSA Reference number of the firm which sold the product

Description The FSA reference number of the firm who sold the product ndashFor direct sales this is the product providers FSA reference number or For sales via an intermediary firm this is the intermediary firms FSA reference number

XML element Tag FirmFSARefXML format String

[1-9]1[0-9]56Validation Input is mandatoryValuesComments

Meta Data ValueXML Schema reference C31112Business Name Transaction referenceName of reporting field in Policy Statement 04 9

NA

Description A unique reference for the transaction internal to the reporting firm that will enable the firm to provide the FSA with more information concerning the transaction if required eg the policy number account number application number etc

XML element Tag TransRefXML format String

whiteSpace collapseminLength 1maxLength 25

Validation Input is mandatoryThis reference must be unique within each XML document for a specific reporting firm except for cancellations ie two messages may have the same reference but one of these must be marked as a cancellationSee also Cancel Indicator below

ValuesComments The format and content of the reference is at the discretion of the

firm making the report

17

Meta Data ValueXML Schema reference C31113Business Name Cancel IndicatorName of reporting field in Policy Statement 04 9

NA

Description Indicates that the transaction is a cancellation XML element Tag Cancellation XML format BooleanValidation Input is optionalValuesComments This field can be used to either cancel a transaction or to correct

a previously submitted transaction that has incorrect details

To correct a previously submitted transaction that was in error the firm should send a cancelling transaction (as described below) followed by a new transaction with the correct details The original its cancellation and the new correct transaction can be transmitted in the same report if required

The new correct transaction must have a different TransRef to the original and its cancellation

(See also TransRef above)

All fields in the cancelling transaction (except the cancellation field) must have the same data values as the corresponding fields in the (original) transaction which is to be cancelled ie The original transaction and the transaction which cancels it must have identical data except for the field cancellation This field is false in the original transaction and True in the cancelling transactionIf omitted this is logically the same as providing a value of false

18

Retail investment specific data element details

Meta Data ValueXML Schema reference RI31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference RI31212Business Name Product TypeName of reporting field in Policy Statement 04 9

Product type

Description A code which uniquely identifies the type of retail investment product sold eg personal pension

XML element Tag TypePolicyXML format StringValidation Input is mandatoryValues 01 = Unit Trust OEIC

02 = Investment Trust03 = ISA04 = Structured capital at risk product05 = With profit bond06 = Unit linked bond07 = Distribution bond08 = With profit endowment09 = Endowment savings plan10 = Mortgage endowment11 = Guaranteed income growth investment bond12 = Trustee investment bond13 = Life annuity14 = Pension annuity15 = Long term care insurance16 = Stakeholder pension17 = Personal pension18 = Group personal pension19 = FSAVC

19

20 = Individual pension transfer21 = Pension opt out22 = Section 32 buy out23 = Group section 32 buy out24 = Income drawdown25 = Executive pension26 = SSAS27 = Group money purchase 28 = AVC final salary29 = AVC group money purchase30 = Self Invested Personal Pension99 = Other Use this when product is not one of the above

Comments

Meta Data ValueXML Schema reference RI31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input

Y = advisedN = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 July 2006

Meta Data ValueXML Schema reference RI31214Business Name Customers post codeName of reporting field in Policy Statement 04 9

Post code of customer

Description The full UK post code of the first named customer only(eg XY45 6XX)

XML element Tag CustPostCodeXML format String

maxLength 8Validation Input is optionalValuesComments

20

Meta Data ValueXML Schema reference RI31215Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium contribution payment

Description Identifies whether the premium contribution is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference RI31216Business Name Annual total amount of contribution or premiumName of reporting field in Policy Statement 04 9

Total premium Contribution amount

Description The total annual amount of premium or contribution to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

Meta Data ValueXML Schema reference RI31217Business Name Customers date of birthName of reporting field in Policy Statement 04 9

Date of birth

Description The date of birth of the first named customer (obtained at proposal stage)

XML element Tag CustDOBXML format DateValidation Input is optional

If input ndash the date of birth must represent an age up to and including 115

ValuesComments

21

Meta Data ValueXML Schema reference RI31218Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

22

Pure protection contracts specific data element details

Meta Data ValueXML Schema reference PP31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms principal or network (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference PP31212Business Name Type of policyName of reporting field in Policy Statement 04 9

Policy type

Description A code which uniquely identifies the type of pure protectioncontract sold eg income protection

XML element Tag TypePolicyXML format StringValidation Input is mandatoryValues 01 = Income Protection

02 = Standalone critical illness03 = Critical illness (sold as a rider benefit to mortgage protection and term assurance contract)99 = Other Use this when product is not one of the above

Comments

23

Meta Data ValueXML Schema reference PP31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advise from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference PP31214Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium payment

Description Identifies whether the premium is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference PP31215Business Name Annual total amount of premiumName of reporting field in Policy Statement 04 9

Total premium amount

Description The total annual amount of premium to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format PositiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

24

Meta Data ValueXML Schema reference PP31216Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

25

Mortgage specific data element details

Meta Data ValueXML Schema reference MG31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference MG31212Business Name Date mortgage account openedName of reporting field in Policy Statement 04 9

Date mortgage account opened

Description The date of mortgage completion or draw-down of the funds

XML element Tag AcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before April-01-2005

Values

26

Meta Data ValueXML Schema reference MG31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference MG31214Business Name Type of interest rateName of reporting field in Policy Statement 04 9

Interest rate type

Description A code which uniquely identifies the type of interest rate applied to the mortgage eg fixed rate

XML element Tag TypeIntRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues 01 = Fixed rate

02 = Discounted variable rate03 = Tracker04 = Capped rate05 = Standard variable rate99 = Other Use this when product is not one of the above

Comments Where the mortgage has been set up with different interest rate types report the interest rate type applicable to the largest portion of the overall mortgage balance

Meta Data ValueXML Schema reference MG312151Business Name Mortgage characteristicsName of reporting fieldin Policy Statement 04 9

Mortgage characteristics

Description A code which uniquely identifies additional features of the mortgage such as that the mortgage is a shared appreciation mortgage Up to 5 characteristics can apply to each mortgage sold

XML element Tag MtgeChar

27

XML format StringmaxOccurs 5

Validation Input is optionalUp to 5 codes may be used for a transactionIf more than one code applies all applicable codes should be reported

Values If inputCB = Cashback This should only be reported where it is linked to a variable mortgage interest rate and where the cashback is not being provided as an incentive to pay legal costs and valuation feesFF = Flexible features (allowing overpayments and underpayments)OS = Offset positive and negative balancesL = The loan is a lifetime mortgageSA = The loan is a shared appreciation mortgage

Comments

Meta Data ValueXML Schema reference MG31216Business Name Property post codeName of reporting fieldin Policy Statement 04 9

Post code of the mortgaged property

Description The UK post code of mortgaged property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

28

Meta Data ValueXML Schema reference MG31217Business Name Type of borrowerName of reporting field in Policy Statement 04 9

Type of borrower

Description A code which uniquely identifies the type of borrowerXML element Tag TypeBorrowerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home movers (2nd or subsequent buyers)R = Remortgagors C = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

Meta Data ValueXML Schema reference MG31218Business Name Method of repaymentName of reporting field in Policy Statement 04 9

Method of repayment

Description A code which uniquely identifies the method of repayment of the mortgage

XML element Tag RepayMethodXML format String Validation Input is mandatory

Only one code can be enteredValues C = Capital and interest

E = Interest only endowmentI = Interest only ISAP = Interest only pensionU = Interest only unknownM = Mix of capital and interest and interest onlyN = Not known

Comments

29

Meta Data ValueXML Schema reference MG31219Business Name Term of mortgageName of reporting field in Policy Statement 04 9

Term of mortgage

Description The number of whole years that the mortgage will be in forceXML element Tag MtgeTermXML format positiveInteger

totalDigits 2Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference MG312110Business Name Size of loanName of reporting field in Policy Statement 04 9

Size of loan

Description The original interest bearing balance when the mortgage was completed represented as a sterling-equivalent amount

XML element Tag LoanAmtXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 150 of property valuationValues Range from 1 to 999999999Comments

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

15

Meta Data ValueXML Schema reference C2122Business Name Provider departmentName of reporting field in Policy Statement 04 9

NA

Description Identifies a department in the Product Providers organisation XML element Tag SubmittingDeptXML format String

whiteSpace collapseminLength 1maxLength 20[a-zA-Z0-9]+

Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference C2131Business Name Report creation dateName of reporting field in Policy Statement 04 9

NA

Description The date on which the XML document was createdXML element Tag ReportCreationDateXML format DateValidation Input is mandatoryValuesComments

Meta Data ValueXML Schema reference C2132Business Name Document referenceName of reporting field in Policy Statement 04 9

NA

Description A reference which identifies the XML document for a given Report Creation Date Provider Department (if any) and Product Provider

XML element Tag ReportIdentifierXML format String

whiteSpace collapseminLength 1maxLength 25

Validation Input is mandatoryValues Must be unique for a given ReportCreationDate SubmittingDept

(if any) and SubmittingFirmComments

Meta Data Value

16

XML Schema reference C31111Business Name Selling firms FSA referenceName of reporting field in Policy Statement 04 9

FSA Reference number of the firm which sold the product

Description The FSA reference number of the firm who sold the product ndashFor direct sales this is the product providers FSA reference number or For sales via an intermediary firm this is the intermediary firms FSA reference number

XML element Tag FirmFSARefXML format String

[1-9]1[0-9]56Validation Input is mandatoryValuesComments

Meta Data ValueXML Schema reference C31112Business Name Transaction referenceName of reporting field in Policy Statement 04 9

NA

Description A unique reference for the transaction internal to the reporting firm that will enable the firm to provide the FSA with more information concerning the transaction if required eg the policy number account number application number etc

XML element Tag TransRefXML format String

whiteSpace collapseminLength 1maxLength 25

Validation Input is mandatoryThis reference must be unique within each XML document for a specific reporting firm except for cancellations ie two messages may have the same reference but one of these must be marked as a cancellationSee also Cancel Indicator below

ValuesComments The format and content of the reference is at the discretion of the

firm making the report

17

Meta Data ValueXML Schema reference C31113Business Name Cancel IndicatorName of reporting field in Policy Statement 04 9

NA

Description Indicates that the transaction is a cancellation XML element Tag Cancellation XML format BooleanValidation Input is optionalValuesComments This field can be used to either cancel a transaction or to correct

a previously submitted transaction that has incorrect details

To correct a previously submitted transaction that was in error the firm should send a cancelling transaction (as described below) followed by a new transaction with the correct details The original its cancellation and the new correct transaction can be transmitted in the same report if required

The new correct transaction must have a different TransRef to the original and its cancellation

(See also TransRef above)

All fields in the cancelling transaction (except the cancellation field) must have the same data values as the corresponding fields in the (original) transaction which is to be cancelled ie The original transaction and the transaction which cancels it must have identical data except for the field cancellation This field is false in the original transaction and True in the cancelling transactionIf omitted this is logically the same as providing a value of false

18

Retail investment specific data element details

Meta Data ValueXML Schema reference RI31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference RI31212Business Name Product TypeName of reporting field in Policy Statement 04 9

Product type

Description A code which uniquely identifies the type of retail investment product sold eg personal pension

XML element Tag TypePolicyXML format StringValidation Input is mandatoryValues 01 = Unit Trust OEIC

02 = Investment Trust03 = ISA04 = Structured capital at risk product05 = With profit bond06 = Unit linked bond07 = Distribution bond08 = With profit endowment09 = Endowment savings plan10 = Mortgage endowment11 = Guaranteed income growth investment bond12 = Trustee investment bond13 = Life annuity14 = Pension annuity15 = Long term care insurance16 = Stakeholder pension17 = Personal pension18 = Group personal pension19 = FSAVC

19

20 = Individual pension transfer21 = Pension opt out22 = Section 32 buy out23 = Group section 32 buy out24 = Income drawdown25 = Executive pension26 = SSAS27 = Group money purchase 28 = AVC final salary29 = AVC group money purchase30 = Self Invested Personal Pension99 = Other Use this when product is not one of the above

Comments

Meta Data ValueXML Schema reference RI31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input

Y = advisedN = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 July 2006

Meta Data ValueXML Schema reference RI31214Business Name Customers post codeName of reporting field in Policy Statement 04 9

Post code of customer

Description The full UK post code of the first named customer only(eg XY45 6XX)

XML element Tag CustPostCodeXML format String

maxLength 8Validation Input is optionalValuesComments

20

Meta Data ValueXML Schema reference RI31215Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium contribution payment

Description Identifies whether the premium contribution is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference RI31216Business Name Annual total amount of contribution or premiumName of reporting field in Policy Statement 04 9

Total premium Contribution amount

Description The total annual amount of premium or contribution to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

Meta Data ValueXML Schema reference RI31217Business Name Customers date of birthName of reporting field in Policy Statement 04 9

Date of birth

Description The date of birth of the first named customer (obtained at proposal stage)

XML element Tag CustDOBXML format DateValidation Input is optional

If input ndash the date of birth must represent an age up to and including 115

ValuesComments

21

Meta Data ValueXML Schema reference RI31218Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

22

Pure protection contracts specific data element details

Meta Data ValueXML Schema reference PP31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms principal or network (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference PP31212Business Name Type of policyName of reporting field in Policy Statement 04 9

Policy type

Description A code which uniquely identifies the type of pure protectioncontract sold eg income protection

XML element Tag TypePolicyXML format StringValidation Input is mandatoryValues 01 = Income Protection

02 = Standalone critical illness03 = Critical illness (sold as a rider benefit to mortgage protection and term assurance contract)99 = Other Use this when product is not one of the above

Comments

23

Meta Data ValueXML Schema reference PP31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advise from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference PP31214Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium payment

Description Identifies whether the premium is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference PP31215Business Name Annual total amount of premiumName of reporting field in Policy Statement 04 9

Total premium amount

Description The total annual amount of premium to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format PositiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

24

Meta Data ValueXML Schema reference PP31216Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

25

Mortgage specific data element details

Meta Data ValueXML Schema reference MG31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference MG31212Business Name Date mortgage account openedName of reporting field in Policy Statement 04 9

Date mortgage account opened

Description The date of mortgage completion or draw-down of the funds

XML element Tag AcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before April-01-2005

Values

26

Meta Data ValueXML Schema reference MG31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference MG31214Business Name Type of interest rateName of reporting field in Policy Statement 04 9

Interest rate type

Description A code which uniquely identifies the type of interest rate applied to the mortgage eg fixed rate

XML element Tag TypeIntRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues 01 = Fixed rate

02 = Discounted variable rate03 = Tracker04 = Capped rate05 = Standard variable rate99 = Other Use this when product is not one of the above

Comments Where the mortgage has been set up with different interest rate types report the interest rate type applicable to the largest portion of the overall mortgage balance

Meta Data ValueXML Schema reference MG312151Business Name Mortgage characteristicsName of reporting fieldin Policy Statement 04 9

Mortgage characteristics

Description A code which uniquely identifies additional features of the mortgage such as that the mortgage is a shared appreciation mortgage Up to 5 characteristics can apply to each mortgage sold

XML element Tag MtgeChar

27

XML format StringmaxOccurs 5

Validation Input is optionalUp to 5 codes may be used for a transactionIf more than one code applies all applicable codes should be reported

Values If inputCB = Cashback This should only be reported where it is linked to a variable mortgage interest rate and where the cashback is not being provided as an incentive to pay legal costs and valuation feesFF = Flexible features (allowing overpayments and underpayments)OS = Offset positive and negative balancesL = The loan is a lifetime mortgageSA = The loan is a shared appreciation mortgage

Comments

Meta Data ValueXML Schema reference MG31216Business Name Property post codeName of reporting fieldin Policy Statement 04 9

Post code of the mortgaged property

Description The UK post code of mortgaged property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

28

Meta Data ValueXML Schema reference MG31217Business Name Type of borrowerName of reporting field in Policy Statement 04 9

Type of borrower

Description A code which uniquely identifies the type of borrowerXML element Tag TypeBorrowerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home movers (2nd or subsequent buyers)R = Remortgagors C = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

Meta Data ValueXML Schema reference MG31218Business Name Method of repaymentName of reporting field in Policy Statement 04 9

Method of repayment

Description A code which uniquely identifies the method of repayment of the mortgage

XML element Tag RepayMethodXML format String Validation Input is mandatory

Only one code can be enteredValues C = Capital and interest

E = Interest only endowmentI = Interest only ISAP = Interest only pensionU = Interest only unknownM = Mix of capital and interest and interest onlyN = Not known

Comments

29

Meta Data ValueXML Schema reference MG31219Business Name Term of mortgageName of reporting field in Policy Statement 04 9

Term of mortgage

Description The number of whole years that the mortgage will be in forceXML element Tag MtgeTermXML format positiveInteger

totalDigits 2Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference MG312110Business Name Size of loanName of reporting field in Policy Statement 04 9

Size of loan

Description The original interest bearing balance when the mortgage was completed represented as a sterling-equivalent amount

XML element Tag LoanAmtXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 150 of property valuationValues Range from 1 to 999999999Comments

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

16

XML Schema reference C31111Business Name Selling firms FSA referenceName of reporting field in Policy Statement 04 9

FSA Reference number of the firm which sold the product

Description The FSA reference number of the firm who sold the product ndashFor direct sales this is the product providers FSA reference number or For sales via an intermediary firm this is the intermediary firms FSA reference number

XML element Tag FirmFSARefXML format String

[1-9]1[0-9]56Validation Input is mandatoryValuesComments

Meta Data ValueXML Schema reference C31112Business Name Transaction referenceName of reporting field in Policy Statement 04 9

NA

Description A unique reference for the transaction internal to the reporting firm that will enable the firm to provide the FSA with more information concerning the transaction if required eg the policy number account number application number etc

XML element Tag TransRefXML format String

whiteSpace collapseminLength 1maxLength 25

Validation Input is mandatoryThis reference must be unique within each XML document for a specific reporting firm except for cancellations ie two messages may have the same reference but one of these must be marked as a cancellationSee also Cancel Indicator below

ValuesComments The format and content of the reference is at the discretion of the

firm making the report

17

Meta Data ValueXML Schema reference C31113Business Name Cancel IndicatorName of reporting field in Policy Statement 04 9

NA

Description Indicates that the transaction is a cancellation XML element Tag Cancellation XML format BooleanValidation Input is optionalValuesComments This field can be used to either cancel a transaction or to correct

a previously submitted transaction that has incorrect details

To correct a previously submitted transaction that was in error the firm should send a cancelling transaction (as described below) followed by a new transaction with the correct details The original its cancellation and the new correct transaction can be transmitted in the same report if required

The new correct transaction must have a different TransRef to the original and its cancellation

(See also TransRef above)

All fields in the cancelling transaction (except the cancellation field) must have the same data values as the corresponding fields in the (original) transaction which is to be cancelled ie The original transaction and the transaction which cancels it must have identical data except for the field cancellation This field is false in the original transaction and True in the cancelling transactionIf omitted this is logically the same as providing a value of false

18

Retail investment specific data element details

Meta Data ValueXML Schema reference RI31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference RI31212Business Name Product TypeName of reporting field in Policy Statement 04 9

Product type

Description A code which uniquely identifies the type of retail investment product sold eg personal pension

XML element Tag TypePolicyXML format StringValidation Input is mandatoryValues 01 = Unit Trust OEIC

02 = Investment Trust03 = ISA04 = Structured capital at risk product05 = With profit bond06 = Unit linked bond07 = Distribution bond08 = With profit endowment09 = Endowment savings plan10 = Mortgage endowment11 = Guaranteed income growth investment bond12 = Trustee investment bond13 = Life annuity14 = Pension annuity15 = Long term care insurance16 = Stakeholder pension17 = Personal pension18 = Group personal pension19 = FSAVC

19

20 = Individual pension transfer21 = Pension opt out22 = Section 32 buy out23 = Group section 32 buy out24 = Income drawdown25 = Executive pension26 = SSAS27 = Group money purchase 28 = AVC final salary29 = AVC group money purchase30 = Self Invested Personal Pension99 = Other Use this when product is not one of the above

Comments

Meta Data ValueXML Schema reference RI31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input

Y = advisedN = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 July 2006

Meta Data ValueXML Schema reference RI31214Business Name Customers post codeName of reporting field in Policy Statement 04 9

Post code of customer

Description The full UK post code of the first named customer only(eg XY45 6XX)

XML element Tag CustPostCodeXML format String

maxLength 8Validation Input is optionalValuesComments

20

Meta Data ValueXML Schema reference RI31215Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium contribution payment

Description Identifies whether the premium contribution is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference RI31216Business Name Annual total amount of contribution or premiumName of reporting field in Policy Statement 04 9

Total premium Contribution amount

Description The total annual amount of premium or contribution to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

Meta Data ValueXML Schema reference RI31217Business Name Customers date of birthName of reporting field in Policy Statement 04 9

Date of birth

Description The date of birth of the first named customer (obtained at proposal stage)

XML element Tag CustDOBXML format DateValidation Input is optional

If input ndash the date of birth must represent an age up to and including 115

ValuesComments

21

Meta Data ValueXML Schema reference RI31218Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

22

Pure protection contracts specific data element details

Meta Data ValueXML Schema reference PP31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms principal or network (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference PP31212Business Name Type of policyName of reporting field in Policy Statement 04 9

Policy type

Description A code which uniquely identifies the type of pure protectioncontract sold eg income protection

XML element Tag TypePolicyXML format StringValidation Input is mandatoryValues 01 = Income Protection

02 = Standalone critical illness03 = Critical illness (sold as a rider benefit to mortgage protection and term assurance contract)99 = Other Use this when product is not one of the above

Comments

23

Meta Data ValueXML Schema reference PP31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advise from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference PP31214Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium payment

Description Identifies whether the premium is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference PP31215Business Name Annual total amount of premiumName of reporting field in Policy Statement 04 9

Total premium amount

Description The total annual amount of premium to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format PositiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

24

Meta Data ValueXML Schema reference PP31216Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

25

Mortgage specific data element details

Meta Data ValueXML Schema reference MG31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference MG31212Business Name Date mortgage account openedName of reporting field in Policy Statement 04 9

Date mortgage account opened

Description The date of mortgage completion or draw-down of the funds

XML element Tag AcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before April-01-2005

Values

26

Meta Data ValueXML Schema reference MG31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference MG31214Business Name Type of interest rateName of reporting field in Policy Statement 04 9

Interest rate type

Description A code which uniquely identifies the type of interest rate applied to the mortgage eg fixed rate

XML element Tag TypeIntRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues 01 = Fixed rate

02 = Discounted variable rate03 = Tracker04 = Capped rate05 = Standard variable rate99 = Other Use this when product is not one of the above

Comments Where the mortgage has been set up with different interest rate types report the interest rate type applicable to the largest portion of the overall mortgage balance

Meta Data ValueXML Schema reference MG312151Business Name Mortgage characteristicsName of reporting fieldin Policy Statement 04 9

Mortgage characteristics

Description A code which uniquely identifies additional features of the mortgage such as that the mortgage is a shared appreciation mortgage Up to 5 characteristics can apply to each mortgage sold

XML element Tag MtgeChar

27

XML format StringmaxOccurs 5

Validation Input is optionalUp to 5 codes may be used for a transactionIf more than one code applies all applicable codes should be reported

Values If inputCB = Cashback This should only be reported where it is linked to a variable mortgage interest rate and where the cashback is not being provided as an incentive to pay legal costs and valuation feesFF = Flexible features (allowing overpayments and underpayments)OS = Offset positive and negative balancesL = The loan is a lifetime mortgageSA = The loan is a shared appreciation mortgage

Comments

Meta Data ValueXML Schema reference MG31216Business Name Property post codeName of reporting fieldin Policy Statement 04 9

Post code of the mortgaged property

Description The UK post code of mortgaged property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

28

Meta Data ValueXML Schema reference MG31217Business Name Type of borrowerName of reporting field in Policy Statement 04 9

Type of borrower

Description A code which uniquely identifies the type of borrowerXML element Tag TypeBorrowerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home movers (2nd or subsequent buyers)R = Remortgagors C = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

Meta Data ValueXML Schema reference MG31218Business Name Method of repaymentName of reporting field in Policy Statement 04 9

Method of repayment

Description A code which uniquely identifies the method of repayment of the mortgage

XML element Tag RepayMethodXML format String Validation Input is mandatory

Only one code can be enteredValues C = Capital and interest

E = Interest only endowmentI = Interest only ISAP = Interest only pensionU = Interest only unknownM = Mix of capital and interest and interest onlyN = Not known

Comments

29

Meta Data ValueXML Schema reference MG31219Business Name Term of mortgageName of reporting field in Policy Statement 04 9

Term of mortgage

Description The number of whole years that the mortgage will be in forceXML element Tag MtgeTermXML format positiveInteger

totalDigits 2Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference MG312110Business Name Size of loanName of reporting field in Policy Statement 04 9

Size of loan

Description The original interest bearing balance when the mortgage was completed represented as a sterling-equivalent amount

XML element Tag LoanAmtXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 150 of property valuationValues Range from 1 to 999999999Comments

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

17

Meta Data ValueXML Schema reference C31113Business Name Cancel IndicatorName of reporting field in Policy Statement 04 9

NA

Description Indicates that the transaction is a cancellation XML element Tag Cancellation XML format BooleanValidation Input is optionalValuesComments This field can be used to either cancel a transaction or to correct

a previously submitted transaction that has incorrect details

To correct a previously submitted transaction that was in error the firm should send a cancelling transaction (as described below) followed by a new transaction with the correct details The original its cancellation and the new correct transaction can be transmitted in the same report if required

The new correct transaction must have a different TransRef to the original and its cancellation

(See also TransRef above)

All fields in the cancelling transaction (except the cancellation field) must have the same data values as the corresponding fields in the (original) transaction which is to be cancelled ie The original transaction and the transaction which cancels it must have identical data except for the field cancellation This field is false in the original transaction and True in the cancelling transactionIf omitted this is logically the same as providing a value of false

18

Retail investment specific data element details

Meta Data ValueXML Schema reference RI31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference RI31212Business Name Product TypeName of reporting field in Policy Statement 04 9

Product type

Description A code which uniquely identifies the type of retail investment product sold eg personal pension

XML element Tag TypePolicyXML format StringValidation Input is mandatoryValues 01 = Unit Trust OEIC

02 = Investment Trust03 = ISA04 = Structured capital at risk product05 = With profit bond06 = Unit linked bond07 = Distribution bond08 = With profit endowment09 = Endowment savings plan10 = Mortgage endowment11 = Guaranteed income growth investment bond12 = Trustee investment bond13 = Life annuity14 = Pension annuity15 = Long term care insurance16 = Stakeholder pension17 = Personal pension18 = Group personal pension19 = FSAVC

19

20 = Individual pension transfer21 = Pension opt out22 = Section 32 buy out23 = Group section 32 buy out24 = Income drawdown25 = Executive pension26 = SSAS27 = Group money purchase 28 = AVC final salary29 = AVC group money purchase30 = Self Invested Personal Pension99 = Other Use this when product is not one of the above

Comments

Meta Data ValueXML Schema reference RI31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input

Y = advisedN = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 July 2006

Meta Data ValueXML Schema reference RI31214Business Name Customers post codeName of reporting field in Policy Statement 04 9

Post code of customer

Description The full UK post code of the first named customer only(eg XY45 6XX)

XML element Tag CustPostCodeXML format String

maxLength 8Validation Input is optionalValuesComments

20

Meta Data ValueXML Schema reference RI31215Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium contribution payment

Description Identifies whether the premium contribution is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference RI31216Business Name Annual total amount of contribution or premiumName of reporting field in Policy Statement 04 9

Total premium Contribution amount

Description The total annual amount of premium or contribution to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

Meta Data ValueXML Schema reference RI31217Business Name Customers date of birthName of reporting field in Policy Statement 04 9

Date of birth

Description The date of birth of the first named customer (obtained at proposal stage)

XML element Tag CustDOBXML format DateValidation Input is optional

If input ndash the date of birth must represent an age up to and including 115

ValuesComments

21

Meta Data ValueXML Schema reference RI31218Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

22

Pure protection contracts specific data element details

Meta Data ValueXML Schema reference PP31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms principal or network (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference PP31212Business Name Type of policyName of reporting field in Policy Statement 04 9

Policy type

Description A code which uniquely identifies the type of pure protectioncontract sold eg income protection

XML element Tag TypePolicyXML format StringValidation Input is mandatoryValues 01 = Income Protection

02 = Standalone critical illness03 = Critical illness (sold as a rider benefit to mortgage protection and term assurance contract)99 = Other Use this when product is not one of the above

Comments

23

Meta Data ValueXML Schema reference PP31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advise from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference PP31214Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium payment

Description Identifies whether the premium is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference PP31215Business Name Annual total amount of premiumName of reporting field in Policy Statement 04 9

Total premium amount

Description The total annual amount of premium to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format PositiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

24

Meta Data ValueXML Schema reference PP31216Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

25

Mortgage specific data element details

Meta Data ValueXML Schema reference MG31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference MG31212Business Name Date mortgage account openedName of reporting field in Policy Statement 04 9

Date mortgage account opened

Description The date of mortgage completion or draw-down of the funds

XML element Tag AcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before April-01-2005

Values

26

Meta Data ValueXML Schema reference MG31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference MG31214Business Name Type of interest rateName of reporting field in Policy Statement 04 9

Interest rate type

Description A code which uniquely identifies the type of interest rate applied to the mortgage eg fixed rate

XML element Tag TypeIntRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues 01 = Fixed rate

02 = Discounted variable rate03 = Tracker04 = Capped rate05 = Standard variable rate99 = Other Use this when product is not one of the above

Comments Where the mortgage has been set up with different interest rate types report the interest rate type applicable to the largest portion of the overall mortgage balance

Meta Data ValueXML Schema reference MG312151Business Name Mortgage characteristicsName of reporting fieldin Policy Statement 04 9

Mortgage characteristics

Description A code which uniquely identifies additional features of the mortgage such as that the mortgage is a shared appreciation mortgage Up to 5 characteristics can apply to each mortgage sold

XML element Tag MtgeChar

27

XML format StringmaxOccurs 5

Validation Input is optionalUp to 5 codes may be used for a transactionIf more than one code applies all applicable codes should be reported

Values If inputCB = Cashback This should only be reported where it is linked to a variable mortgage interest rate and where the cashback is not being provided as an incentive to pay legal costs and valuation feesFF = Flexible features (allowing overpayments and underpayments)OS = Offset positive and negative balancesL = The loan is a lifetime mortgageSA = The loan is a shared appreciation mortgage

Comments

Meta Data ValueXML Schema reference MG31216Business Name Property post codeName of reporting fieldin Policy Statement 04 9

Post code of the mortgaged property

Description The UK post code of mortgaged property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

28

Meta Data ValueXML Schema reference MG31217Business Name Type of borrowerName of reporting field in Policy Statement 04 9

Type of borrower

Description A code which uniquely identifies the type of borrowerXML element Tag TypeBorrowerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home movers (2nd or subsequent buyers)R = Remortgagors C = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

Meta Data ValueXML Schema reference MG31218Business Name Method of repaymentName of reporting field in Policy Statement 04 9

Method of repayment

Description A code which uniquely identifies the method of repayment of the mortgage

XML element Tag RepayMethodXML format String Validation Input is mandatory

Only one code can be enteredValues C = Capital and interest

E = Interest only endowmentI = Interest only ISAP = Interest only pensionU = Interest only unknownM = Mix of capital and interest and interest onlyN = Not known

Comments

29

Meta Data ValueXML Schema reference MG31219Business Name Term of mortgageName of reporting field in Policy Statement 04 9

Term of mortgage

Description The number of whole years that the mortgage will be in forceXML element Tag MtgeTermXML format positiveInteger

totalDigits 2Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference MG312110Business Name Size of loanName of reporting field in Policy Statement 04 9

Size of loan

Description The original interest bearing balance when the mortgage was completed represented as a sterling-equivalent amount

XML element Tag LoanAmtXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 150 of property valuationValues Range from 1 to 999999999Comments

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

18

Retail investment specific data element details

Meta Data ValueXML Schema reference RI31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference RI31212Business Name Product TypeName of reporting field in Policy Statement 04 9

Product type

Description A code which uniquely identifies the type of retail investment product sold eg personal pension

XML element Tag TypePolicyXML format StringValidation Input is mandatoryValues 01 = Unit Trust OEIC

02 = Investment Trust03 = ISA04 = Structured capital at risk product05 = With profit bond06 = Unit linked bond07 = Distribution bond08 = With profit endowment09 = Endowment savings plan10 = Mortgage endowment11 = Guaranteed income growth investment bond12 = Trustee investment bond13 = Life annuity14 = Pension annuity15 = Long term care insurance16 = Stakeholder pension17 = Personal pension18 = Group personal pension19 = FSAVC

19

20 = Individual pension transfer21 = Pension opt out22 = Section 32 buy out23 = Group section 32 buy out24 = Income drawdown25 = Executive pension26 = SSAS27 = Group money purchase 28 = AVC final salary29 = AVC group money purchase30 = Self Invested Personal Pension99 = Other Use this when product is not one of the above

Comments

Meta Data ValueXML Schema reference RI31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input

Y = advisedN = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 July 2006

Meta Data ValueXML Schema reference RI31214Business Name Customers post codeName of reporting field in Policy Statement 04 9

Post code of customer

Description The full UK post code of the first named customer only(eg XY45 6XX)

XML element Tag CustPostCodeXML format String

maxLength 8Validation Input is optionalValuesComments

20

Meta Data ValueXML Schema reference RI31215Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium contribution payment

Description Identifies whether the premium contribution is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference RI31216Business Name Annual total amount of contribution or premiumName of reporting field in Policy Statement 04 9

Total premium Contribution amount

Description The total annual amount of premium or contribution to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

Meta Data ValueXML Schema reference RI31217Business Name Customers date of birthName of reporting field in Policy Statement 04 9

Date of birth

Description The date of birth of the first named customer (obtained at proposal stage)

XML element Tag CustDOBXML format DateValidation Input is optional

If input ndash the date of birth must represent an age up to and including 115

ValuesComments

21

Meta Data ValueXML Schema reference RI31218Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

22

Pure protection contracts specific data element details

Meta Data ValueXML Schema reference PP31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms principal or network (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference PP31212Business Name Type of policyName of reporting field in Policy Statement 04 9

Policy type

Description A code which uniquely identifies the type of pure protectioncontract sold eg income protection

XML element Tag TypePolicyXML format StringValidation Input is mandatoryValues 01 = Income Protection

02 = Standalone critical illness03 = Critical illness (sold as a rider benefit to mortgage protection and term assurance contract)99 = Other Use this when product is not one of the above

Comments

23

Meta Data ValueXML Schema reference PP31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advise from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference PP31214Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium payment

Description Identifies whether the premium is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference PP31215Business Name Annual total amount of premiumName of reporting field in Policy Statement 04 9

Total premium amount

Description The total annual amount of premium to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format PositiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

24

Meta Data ValueXML Schema reference PP31216Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

25

Mortgage specific data element details

Meta Data ValueXML Schema reference MG31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference MG31212Business Name Date mortgage account openedName of reporting field in Policy Statement 04 9

Date mortgage account opened

Description The date of mortgage completion or draw-down of the funds

XML element Tag AcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before April-01-2005

Values

26

Meta Data ValueXML Schema reference MG31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference MG31214Business Name Type of interest rateName of reporting field in Policy Statement 04 9

Interest rate type

Description A code which uniquely identifies the type of interest rate applied to the mortgage eg fixed rate

XML element Tag TypeIntRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues 01 = Fixed rate

02 = Discounted variable rate03 = Tracker04 = Capped rate05 = Standard variable rate99 = Other Use this when product is not one of the above

Comments Where the mortgage has been set up with different interest rate types report the interest rate type applicable to the largest portion of the overall mortgage balance

Meta Data ValueXML Schema reference MG312151Business Name Mortgage characteristicsName of reporting fieldin Policy Statement 04 9

Mortgage characteristics

Description A code which uniquely identifies additional features of the mortgage such as that the mortgage is a shared appreciation mortgage Up to 5 characteristics can apply to each mortgage sold

XML element Tag MtgeChar

27

XML format StringmaxOccurs 5

Validation Input is optionalUp to 5 codes may be used for a transactionIf more than one code applies all applicable codes should be reported

Values If inputCB = Cashback This should only be reported where it is linked to a variable mortgage interest rate and where the cashback is not being provided as an incentive to pay legal costs and valuation feesFF = Flexible features (allowing overpayments and underpayments)OS = Offset positive and negative balancesL = The loan is a lifetime mortgageSA = The loan is a shared appreciation mortgage

Comments

Meta Data ValueXML Schema reference MG31216Business Name Property post codeName of reporting fieldin Policy Statement 04 9

Post code of the mortgaged property

Description The UK post code of mortgaged property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

28

Meta Data ValueXML Schema reference MG31217Business Name Type of borrowerName of reporting field in Policy Statement 04 9

Type of borrower

Description A code which uniquely identifies the type of borrowerXML element Tag TypeBorrowerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home movers (2nd or subsequent buyers)R = Remortgagors C = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

Meta Data ValueXML Schema reference MG31218Business Name Method of repaymentName of reporting field in Policy Statement 04 9

Method of repayment

Description A code which uniquely identifies the method of repayment of the mortgage

XML element Tag RepayMethodXML format String Validation Input is mandatory

Only one code can be enteredValues C = Capital and interest

E = Interest only endowmentI = Interest only ISAP = Interest only pensionU = Interest only unknownM = Mix of capital and interest and interest onlyN = Not known

Comments

29

Meta Data ValueXML Schema reference MG31219Business Name Term of mortgageName of reporting field in Policy Statement 04 9

Term of mortgage

Description The number of whole years that the mortgage will be in forceXML element Tag MtgeTermXML format positiveInteger

totalDigits 2Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference MG312110Business Name Size of loanName of reporting field in Policy Statement 04 9

Size of loan

Description The original interest bearing balance when the mortgage was completed represented as a sterling-equivalent amount

XML element Tag LoanAmtXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 150 of property valuationValues Range from 1 to 999999999Comments

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

19

20 = Individual pension transfer21 = Pension opt out22 = Section 32 buy out23 = Group section 32 buy out24 = Income drawdown25 = Executive pension26 = SSAS27 = Group money purchase 28 = AVC final salary29 = AVC group money purchase30 = Self Invested Personal Pension99 = Other Use this when product is not one of the above

Comments

Meta Data ValueXML Schema reference RI31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input

Y = advisedN = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 July 2006

Meta Data ValueXML Schema reference RI31214Business Name Customers post codeName of reporting field in Policy Statement 04 9

Post code of customer

Description The full UK post code of the first named customer only(eg XY45 6XX)

XML element Tag CustPostCodeXML format String

maxLength 8Validation Input is optionalValuesComments

20

Meta Data ValueXML Schema reference RI31215Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium contribution payment

Description Identifies whether the premium contribution is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference RI31216Business Name Annual total amount of contribution or premiumName of reporting field in Policy Statement 04 9

Total premium Contribution amount

Description The total annual amount of premium or contribution to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

Meta Data ValueXML Schema reference RI31217Business Name Customers date of birthName of reporting field in Policy Statement 04 9

Date of birth

Description The date of birth of the first named customer (obtained at proposal stage)

XML element Tag CustDOBXML format DateValidation Input is optional

If input ndash the date of birth must represent an age up to and including 115

ValuesComments

21

Meta Data ValueXML Schema reference RI31218Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

22

Pure protection contracts specific data element details

Meta Data ValueXML Schema reference PP31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms principal or network (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference PP31212Business Name Type of policyName of reporting field in Policy Statement 04 9

Policy type

Description A code which uniquely identifies the type of pure protectioncontract sold eg income protection

XML element Tag TypePolicyXML format StringValidation Input is mandatoryValues 01 = Income Protection

02 = Standalone critical illness03 = Critical illness (sold as a rider benefit to mortgage protection and term assurance contract)99 = Other Use this when product is not one of the above

Comments

23

Meta Data ValueXML Schema reference PP31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advise from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference PP31214Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium payment

Description Identifies whether the premium is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference PP31215Business Name Annual total amount of premiumName of reporting field in Policy Statement 04 9

Total premium amount

Description The total annual amount of premium to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format PositiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

24

Meta Data ValueXML Schema reference PP31216Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

25

Mortgage specific data element details

Meta Data ValueXML Schema reference MG31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference MG31212Business Name Date mortgage account openedName of reporting field in Policy Statement 04 9

Date mortgage account opened

Description The date of mortgage completion or draw-down of the funds

XML element Tag AcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before April-01-2005

Values

26

Meta Data ValueXML Schema reference MG31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference MG31214Business Name Type of interest rateName of reporting field in Policy Statement 04 9

Interest rate type

Description A code which uniquely identifies the type of interest rate applied to the mortgage eg fixed rate

XML element Tag TypeIntRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues 01 = Fixed rate

02 = Discounted variable rate03 = Tracker04 = Capped rate05 = Standard variable rate99 = Other Use this when product is not one of the above

Comments Where the mortgage has been set up with different interest rate types report the interest rate type applicable to the largest portion of the overall mortgage balance

Meta Data ValueXML Schema reference MG312151Business Name Mortgage characteristicsName of reporting fieldin Policy Statement 04 9

Mortgage characteristics

Description A code which uniquely identifies additional features of the mortgage such as that the mortgage is a shared appreciation mortgage Up to 5 characteristics can apply to each mortgage sold

XML element Tag MtgeChar

27

XML format StringmaxOccurs 5

Validation Input is optionalUp to 5 codes may be used for a transactionIf more than one code applies all applicable codes should be reported

Values If inputCB = Cashback This should only be reported where it is linked to a variable mortgage interest rate and where the cashback is not being provided as an incentive to pay legal costs and valuation feesFF = Flexible features (allowing overpayments and underpayments)OS = Offset positive and negative balancesL = The loan is a lifetime mortgageSA = The loan is a shared appreciation mortgage

Comments

Meta Data ValueXML Schema reference MG31216Business Name Property post codeName of reporting fieldin Policy Statement 04 9

Post code of the mortgaged property

Description The UK post code of mortgaged property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

28

Meta Data ValueXML Schema reference MG31217Business Name Type of borrowerName of reporting field in Policy Statement 04 9

Type of borrower

Description A code which uniquely identifies the type of borrowerXML element Tag TypeBorrowerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home movers (2nd or subsequent buyers)R = Remortgagors C = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

Meta Data ValueXML Schema reference MG31218Business Name Method of repaymentName of reporting field in Policy Statement 04 9

Method of repayment

Description A code which uniquely identifies the method of repayment of the mortgage

XML element Tag RepayMethodXML format String Validation Input is mandatory

Only one code can be enteredValues C = Capital and interest

E = Interest only endowmentI = Interest only ISAP = Interest only pensionU = Interest only unknownM = Mix of capital and interest and interest onlyN = Not known

Comments

29

Meta Data ValueXML Schema reference MG31219Business Name Term of mortgageName of reporting field in Policy Statement 04 9

Term of mortgage

Description The number of whole years that the mortgage will be in forceXML element Tag MtgeTermXML format positiveInteger

totalDigits 2Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference MG312110Business Name Size of loanName of reporting field in Policy Statement 04 9

Size of loan

Description The original interest bearing balance when the mortgage was completed represented as a sterling-equivalent amount

XML element Tag LoanAmtXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 150 of property valuationValues Range from 1 to 999999999Comments

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

20

Meta Data ValueXML Schema reference RI31215Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium contribution payment

Description Identifies whether the premium contribution is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference RI31216Business Name Annual total amount of contribution or premiumName of reporting field in Policy Statement 04 9

Total premium Contribution amount

Description The total annual amount of premium or contribution to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

Meta Data ValueXML Schema reference RI31217Business Name Customers date of birthName of reporting field in Policy Statement 04 9

Date of birth

Description The date of birth of the first named customer (obtained at proposal stage)

XML element Tag CustDOBXML format DateValidation Input is optional

If input ndash the date of birth must represent an age up to and including 115

ValuesComments

21

Meta Data ValueXML Schema reference RI31218Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

22

Pure protection contracts specific data element details

Meta Data ValueXML Schema reference PP31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms principal or network (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference PP31212Business Name Type of policyName of reporting field in Policy Statement 04 9

Policy type

Description A code which uniquely identifies the type of pure protectioncontract sold eg income protection

XML element Tag TypePolicyXML format StringValidation Input is mandatoryValues 01 = Income Protection

02 = Standalone critical illness03 = Critical illness (sold as a rider benefit to mortgage protection and term assurance contract)99 = Other Use this when product is not one of the above

Comments

23

Meta Data ValueXML Schema reference PP31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advise from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference PP31214Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium payment

Description Identifies whether the premium is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference PP31215Business Name Annual total amount of premiumName of reporting field in Policy Statement 04 9

Total premium amount

Description The total annual amount of premium to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format PositiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

24

Meta Data ValueXML Schema reference PP31216Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

25

Mortgage specific data element details

Meta Data ValueXML Schema reference MG31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference MG31212Business Name Date mortgage account openedName of reporting field in Policy Statement 04 9

Date mortgage account opened

Description The date of mortgage completion or draw-down of the funds

XML element Tag AcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before April-01-2005

Values

26

Meta Data ValueXML Schema reference MG31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference MG31214Business Name Type of interest rateName of reporting field in Policy Statement 04 9

Interest rate type

Description A code which uniquely identifies the type of interest rate applied to the mortgage eg fixed rate

XML element Tag TypeIntRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues 01 = Fixed rate

02 = Discounted variable rate03 = Tracker04 = Capped rate05 = Standard variable rate99 = Other Use this when product is not one of the above

Comments Where the mortgage has been set up with different interest rate types report the interest rate type applicable to the largest portion of the overall mortgage balance

Meta Data ValueXML Schema reference MG312151Business Name Mortgage characteristicsName of reporting fieldin Policy Statement 04 9

Mortgage characteristics

Description A code which uniquely identifies additional features of the mortgage such as that the mortgage is a shared appreciation mortgage Up to 5 characteristics can apply to each mortgage sold

XML element Tag MtgeChar

27

XML format StringmaxOccurs 5

Validation Input is optionalUp to 5 codes may be used for a transactionIf more than one code applies all applicable codes should be reported

Values If inputCB = Cashback This should only be reported where it is linked to a variable mortgage interest rate and where the cashback is not being provided as an incentive to pay legal costs and valuation feesFF = Flexible features (allowing overpayments and underpayments)OS = Offset positive and negative balancesL = The loan is a lifetime mortgageSA = The loan is a shared appreciation mortgage

Comments

Meta Data ValueXML Schema reference MG31216Business Name Property post codeName of reporting fieldin Policy Statement 04 9

Post code of the mortgaged property

Description The UK post code of mortgaged property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

28

Meta Data ValueXML Schema reference MG31217Business Name Type of borrowerName of reporting field in Policy Statement 04 9

Type of borrower

Description A code which uniquely identifies the type of borrowerXML element Tag TypeBorrowerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home movers (2nd or subsequent buyers)R = Remortgagors C = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

Meta Data ValueXML Schema reference MG31218Business Name Method of repaymentName of reporting field in Policy Statement 04 9

Method of repayment

Description A code which uniquely identifies the method of repayment of the mortgage

XML element Tag RepayMethodXML format String Validation Input is mandatory

Only one code can be enteredValues C = Capital and interest

E = Interest only endowmentI = Interest only ISAP = Interest only pensionU = Interest only unknownM = Mix of capital and interest and interest onlyN = Not known

Comments

29

Meta Data ValueXML Schema reference MG31219Business Name Term of mortgageName of reporting field in Policy Statement 04 9

Term of mortgage

Description The number of whole years that the mortgage will be in forceXML element Tag MtgeTermXML format positiveInteger

totalDigits 2Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference MG312110Business Name Size of loanName of reporting field in Policy Statement 04 9

Size of loan

Description The original interest bearing balance when the mortgage was completed represented as a sterling-equivalent amount

XML element Tag LoanAmtXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 150 of property valuationValues Range from 1 to 999999999Comments

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

21

Meta Data ValueXML Schema reference RI31218Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

22

Pure protection contracts specific data element details

Meta Data ValueXML Schema reference PP31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms principal or network (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference PP31212Business Name Type of policyName of reporting field in Policy Statement 04 9

Policy type

Description A code which uniquely identifies the type of pure protectioncontract sold eg income protection

XML element Tag TypePolicyXML format StringValidation Input is mandatoryValues 01 = Income Protection

02 = Standalone critical illness03 = Critical illness (sold as a rider benefit to mortgage protection and term assurance contract)99 = Other Use this when product is not one of the above

Comments

23

Meta Data ValueXML Schema reference PP31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advise from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference PP31214Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium payment

Description Identifies whether the premium is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference PP31215Business Name Annual total amount of premiumName of reporting field in Policy Statement 04 9

Total premium amount

Description The total annual amount of premium to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format PositiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

24

Meta Data ValueXML Schema reference PP31216Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

25

Mortgage specific data element details

Meta Data ValueXML Schema reference MG31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference MG31212Business Name Date mortgage account openedName of reporting field in Policy Statement 04 9

Date mortgage account opened

Description The date of mortgage completion or draw-down of the funds

XML element Tag AcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before April-01-2005

Values

26

Meta Data ValueXML Schema reference MG31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference MG31214Business Name Type of interest rateName of reporting field in Policy Statement 04 9

Interest rate type

Description A code which uniquely identifies the type of interest rate applied to the mortgage eg fixed rate

XML element Tag TypeIntRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues 01 = Fixed rate

02 = Discounted variable rate03 = Tracker04 = Capped rate05 = Standard variable rate99 = Other Use this when product is not one of the above

Comments Where the mortgage has been set up with different interest rate types report the interest rate type applicable to the largest portion of the overall mortgage balance

Meta Data ValueXML Schema reference MG312151Business Name Mortgage characteristicsName of reporting fieldin Policy Statement 04 9

Mortgage characteristics

Description A code which uniquely identifies additional features of the mortgage such as that the mortgage is a shared appreciation mortgage Up to 5 characteristics can apply to each mortgage sold

XML element Tag MtgeChar

27

XML format StringmaxOccurs 5

Validation Input is optionalUp to 5 codes may be used for a transactionIf more than one code applies all applicable codes should be reported

Values If inputCB = Cashback This should only be reported where it is linked to a variable mortgage interest rate and where the cashback is not being provided as an incentive to pay legal costs and valuation feesFF = Flexible features (allowing overpayments and underpayments)OS = Offset positive and negative balancesL = The loan is a lifetime mortgageSA = The loan is a shared appreciation mortgage

Comments

Meta Data ValueXML Schema reference MG31216Business Name Property post codeName of reporting fieldin Policy Statement 04 9

Post code of the mortgaged property

Description The UK post code of mortgaged property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

28

Meta Data ValueXML Schema reference MG31217Business Name Type of borrowerName of reporting field in Policy Statement 04 9

Type of borrower

Description A code which uniquely identifies the type of borrowerXML element Tag TypeBorrowerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home movers (2nd or subsequent buyers)R = Remortgagors C = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

Meta Data ValueXML Schema reference MG31218Business Name Method of repaymentName of reporting field in Policy Statement 04 9

Method of repayment

Description A code which uniquely identifies the method of repayment of the mortgage

XML element Tag RepayMethodXML format String Validation Input is mandatory

Only one code can be enteredValues C = Capital and interest

E = Interest only endowmentI = Interest only ISAP = Interest only pensionU = Interest only unknownM = Mix of capital and interest and interest onlyN = Not known

Comments

29

Meta Data ValueXML Schema reference MG31219Business Name Term of mortgageName of reporting field in Policy Statement 04 9

Term of mortgage

Description The number of whole years that the mortgage will be in forceXML element Tag MtgeTermXML format positiveInteger

totalDigits 2Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference MG312110Business Name Size of loanName of reporting field in Policy Statement 04 9

Size of loan

Description The original interest bearing balance when the mortgage was completed represented as a sterling-equivalent amount

XML element Tag LoanAmtXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 150 of property valuationValues Range from 1 to 999999999Comments

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

22

Pure protection contracts specific data element details

Meta Data ValueXML Schema reference PP31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms principal or network (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference PP31212Business Name Type of policyName of reporting field in Policy Statement 04 9

Policy type

Description A code which uniquely identifies the type of pure protectioncontract sold eg income protection

XML element Tag TypePolicyXML format StringValidation Input is mandatoryValues 01 = Income Protection

02 = Standalone critical illness03 = Critical illness (sold as a rider benefit to mortgage protection and term assurance contract)99 = Other Use this when product is not one of the above

Comments

23

Meta Data ValueXML Schema reference PP31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advise from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference PP31214Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium payment

Description Identifies whether the premium is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference PP31215Business Name Annual total amount of premiumName of reporting field in Policy Statement 04 9

Total premium amount

Description The total annual amount of premium to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format PositiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

24

Meta Data ValueXML Schema reference PP31216Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

25

Mortgage specific data element details

Meta Data ValueXML Schema reference MG31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference MG31212Business Name Date mortgage account openedName of reporting field in Policy Statement 04 9

Date mortgage account opened

Description The date of mortgage completion or draw-down of the funds

XML element Tag AcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before April-01-2005

Values

26

Meta Data ValueXML Schema reference MG31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference MG31214Business Name Type of interest rateName of reporting field in Policy Statement 04 9

Interest rate type

Description A code which uniquely identifies the type of interest rate applied to the mortgage eg fixed rate

XML element Tag TypeIntRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues 01 = Fixed rate

02 = Discounted variable rate03 = Tracker04 = Capped rate05 = Standard variable rate99 = Other Use this when product is not one of the above

Comments Where the mortgage has been set up with different interest rate types report the interest rate type applicable to the largest portion of the overall mortgage balance

Meta Data ValueXML Schema reference MG312151Business Name Mortgage characteristicsName of reporting fieldin Policy Statement 04 9

Mortgage characteristics

Description A code which uniquely identifies additional features of the mortgage such as that the mortgage is a shared appreciation mortgage Up to 5 characteristics can apply to each mortgage sold

XML element Tag MtgeChar

27

XML format StringmaxOccurs 5

Validation Input is optionalUp to 5 codes may be used for a transactionIf more than one code applies all applicable codes should be reported

Values If inputCB = Cashback This should only be reported where it is linked to a variable mortgage interest rate and where the cashback is not being provided as an incentive to pay legal costs and valuation feesFF = Flexible features (allowing overpayments and underpayments)OS = Offset positive and negative balancesL = The loan is a lifetime mortgageSA = The loan is a shared appreciation mortgage

Comments

Meta Data ValueXML Schema reference MG31216Business Name Property post codeName of reporting fieldin Policy Statement 04 9

Post code of the mortgaged property

Description The UK post code of mortgaged property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

28

Meta Data ValueXML Schema reference MG31217Business Name Type of borrowerName of reporting field in Policy Statement 04 9

Type of borrower

Description A code which uniquely identifies the type of borrowerXML element Tag TypeBorrowerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home movers (2nd or subsequent buyers)R = Remortgagors C = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

Meta Data ValueXML Schema reference MG31218Business Name Method of repaymentName of reporting field in Policy Statement 04 9

Method of repayment

Description A code which uniquely identifies the method of repayment of the mortgage

XML element Tag RepayMethodXML format String Validation Input is mandatory

Only one code can be enteredValues C = Capital and interest

E = Interest only endowmentI = Interest only ISAP = Interest only pensionU = Interest only unknownM = Mix of capital and interest and interest onlyN = Not known

Comments

29

Meta Data ValueXML Schema reference MG31219Business Name Term of mortgageName of reporting field in Policy Statement 04 9

Term of mortgage

Description The number of whole years that the mortgage will be in forceXML element Tag MtgeTermXML format positiveInteger

totalDigits 2Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference MG312110Business Name Size of loanName of reporting field in Policy Statement 04 9

Size of loan

Description The original interest bearing balance when the mortgage was completed represented as a sterling-equivalent amount

XML element Tag LoanAmtXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 150 of property valuationValues Range from 1 to 999999999Comments

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

23

Meta Data ValueXML Schema reference PP31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advise from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference PP31214Business Name Method of paymentName of reporting field in Policy Statement 04 9

Method of premium payment

Description Identifies whether the premium is to be paid by a single payment or by regular instalments

XML element Tag PremPaymentMethodXML format StringValidation Input is mandatoryValues S = single payment

R = regular paymentComments

Meta Data ValueXML Schema reference PP31215Business Name Annual total amount of premiumName of reporting field in Policy Statement 04 9

Total premium amount

Description The total annual amount of premium to be paid represented as a sterling-equivalent amount rounded to the nearest pound

XML element Tag TotalPremAmtXML format PositiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments For regular premiums this is the annualised premium ie the

monthly premium 12

24

Meta Data ValueXML Schema reference PP31216Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

25

Mortgage specific data element details

Meta Data ValueXML Schema reference MG31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference MG31212Business Name Date mortgage account openedName of reporting field in Policy Statement 04 9

Date mortgage account opened

Description The date of mortgage completion or draw-down of the funds

XML element Tag AcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before April-01-2005

Values

26

Meta Data ValueXML Schema reference MG31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference MG31214Business Name Type of interest rateName of reporting field in Policy Statement 04 9

Interest rate type

Description A code which uniquely identifies the type of interest rate applied to the mortgage eg fixed rate

XML element Tag TypeIntRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues 01 = Fixed rate

02 = Discounted variable rate03 = Tracker04 = Capped rate05 = Standard variable rate99 = Other Use this when product is not one of the above

Comments Where the mortgage has been set up with different interest rate types report the interest rate type applicable to the largest portion of the overall mortgage balance

Meta Data ValueXML Schema reference MG312151Business Name Mortgage characteristicsName of reporting fieldin Policy Statement 04 9

Mortgage characteristics

Description A code which uniquely identifies additional features of the mortgage such as that the mortgage is a shared appreciation mortgage Up to 5 characteristics can apply to each mortgage sold

XML element Tag MtgeChar

27

XML format StringmaxOccurs 5

Validation Input is optionalUp to 5 codes may be used for a transactionIf more than one code applies all applicable codes should be reported

Values If inputCB = Cashback This should only be reported where it is linked to a variable mortgage interest rate and where the cashback is not being provided as an incentive to pay legal costs and valuation feesFF = Flexible features (allowing overpayments and underpayments)OS = Offset positive and negative balancesL = The loan is a lifetime mortgageSA = The loan is a shared appreciation mortgage

Comments

Meta Data ValueXML Schema reference MG31216Business Name Property post codeName of reporting fieldin Policy Statement 04 9

Post code of the mortgaged property

Description The UK post code of mortgaged property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

28

Meta Data ValueXML Schema reference MG31217Business Name Type of borrowerName of reporting field in Policy Statement 04 9

Type of borrower

Description A code which uniquely identifies the type of borrowerXML element Tag TypeBorrowerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home movers (2nd or subsequent buyers)R = Remortgagors C = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

Meta Data ValueXML Schema reference MG31218Business Name Method of repaymentName of reporting field in Policy Statement 04 9

Method of repayment

Description A code which uniquely identifies the method of repayment of the mortgage

XML element Tag RepayMethodXML format String Validation Input is mandatory

Only one code can be enteredValues C = Capital and interest

E = Interest only endowmentI = Interest only ISAP = Interest only pensionU = Interest only unknownM = Mix of capital and interest and interest onlyN = Not known

Comments

29

Meta Data ValueXML Schema reference MG31219Business Name Term of mortgageName of reporting field in Policy Statement 04 9

Term of mortgage

Description The number of whole years that the mortgage will be in forceXML element Tag MtgeTermXML format positiveInteger

totalDigits 2Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference MG312110Business Name Size of loanName of reporting field in Policy Statement 04 9

Size of loan

Description The original interest bearing balance when the mortgage was completed represented as a sterling-equivalent amount

XML element Tag LoanAmtXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 150 of property valuationValues Range from 1 to 999999999Comments

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

24

Meta Data ValueXML Schema reference PP31216Business Name Date in force Date of contractName of reporting field in Policy Statement 04 9

NA

Description The date the policy is put in force or the date of the contract This may also be the on risk date or the go live date It is for firms to determine which date to report

XML element Tag DateInForceXML format DateValidation Input is mandatory

Must not be after the end of the current quarter Must not be before April-01-2005

ValuesComments

25

Mortgage specific data element details

Meta Data ValueXML Schema reference MG31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference MG31212Business Name Date mortgage account openedName of reporting field in Policy Statement 04 9

Date mortgage account opened

Description The date of mortgage completion or draw-down of the funds

XML element Tag AcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before April-01-2005

Values

26

Meta Data ValueXML Schema reference MG31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference MG31214Business Name Type of interest rateName of reporting field in Policy Statement 04 9

Interest rate type

Description A code which uniquely identifies the type of interest rate applied to the mortgage eg fixed rate

XML element Tag TypeIntRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues 01 = Fixed rate

02 = Discounted variable rate03 = Tracker04 = Capped rate05 = Standard variable rate99 = Other Use this when product is not one of the above

Comments Where the mortgage has been set up with different interest rate types report the interest rate type applicable to the largest portion of the overall mortgage balance

Meta Data ValueXML Schema reference MG312151Business Name Mortgage characteristicsName of reporting fieldin Policy Statement 04 9

Mortgage characteristics

Description A code which uniquely identifies additional features of the mortgage such as that the mortgage is a shared appreciation mortgage Up to 5 characteristics can apply to each mortgage sold

XML element Tag MtgeChar

27

XML format StringmaxOccurs 5

Validation Input is optionalUp to 5 codes may be used for a transactionIf more than one code applies all applicable codes should be reported

Values If inputCB = Cashback This should only be reported where it is linked to a variable mortgage interest rate and where the cashback is not being provided as an incentive to pay legal costs and valuation feesFF = Flexible features (allowing overpayments and underpayments)OS = Offset positive and negative balancesL = The loan is a lifetime mortgageSA = The loan is a shared appreciation mortgage

Comments

Meta Data ValueXML Schema reference MG31216Business Name Property post codeName of reporting fieldin Policy Statement 04 9

Post code of the mortgaged property

Description The UK post code of mortgaged property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

28

Meta Data ValueXML Schema reference MG31217Business Name Type of borrowerName of reporting field in Policy Statement 04 9

Type of borrower

Description A code which uniquely identifies the type of borrowerXML element Tag TypeBorrowerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home movers (2nd or subsequent buyers)R = Remortgagors C = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

Meta Data ValueXML Schema reference MG31218Business Name Method of repaymentName of reporting field in Policy Statement 04 9

Method of repayment

Description A code which uniquely identifies the method of repayment of the mortgage

XML element Tag RepayMethodXML format String Validation Input is mandatory

Only one code can be enteredValues C = Capital and interest

E = Interest only endowmentI = Interest only ISAP = Interest only pensionU = Interest only unknownM = Mix of capital and interest and interest onlyN = Not known

Comments

29

Meta Data ValueXML Schema reference MG31219Business Name Term of mortgageName of reporting field in Policy Statement 04 9

Term of mortgage

Description The number of whole years that the mortgage will be in forceXML element Tag MtgeTermXML format positiveInteger

totalDigits 2Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference MG312110Business Name Size of loanName of reporting field in Policy Statement 04 9

Size of loan

Description The original interest bearing balance when the mortgage was completed represented as a sterling-equivalent amount

XML element Tag LoanAmtXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 150 of property valuationValues Range from 1 to 999999999Comments

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

25

Mortgage specific data element details

Meta Data ValueXML Schema reference MG31211Business Name Intermediarys principal or networkName of reporting field in Policy Statement 04 9

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference MG31212Business Name Date mortgage account openedName of reporting field in Policy Statement 04 9

Date mortgage account opened

Description The date of mortgage completion or draw-down of the funds

XML element Tag AcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before April-01-2005

Values

26

Meta Data ValueXML Schema reference MG31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference MG31214Business Name Type of interest rateName of reporting field in Policy Statement 04 9

Interest rate type

Description A code which uniquely identifies the type of interest rate applied to the mortgage eg fixed rate

XML element Tag TypeIntRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues 01 = Fixed rate

02 = Discounted variable rate03 = Tracker04 = Capped rate05 = Standard variable rate99 = Other Use this when product is not one of the above

Comments Where the mortgage has been set up with different interest rate types report the interest rate type applicable to the largest portion of the overall mortgage balance

Meta Data ValueXML Schema reference MG312151Business Name Mortgage characteristicsName of reporting fieldin Policy Statement 04 9

Mortgage characteristics

Description A code which uniquely identifies additional features of the mortgage such as that the mortgage is a shared appreciation mortgage Up to 5 characteristics can apply to each mortgage sold

XML element Tag MtgeChar

27

XML format StringmaxOccurs 5

Validation Input is optionalUp to 5 codes may be used for a transactionIf more than one code applies all applicable codes should be reported

Values If inputCB = Cashback This should only be reported where it is linked to a variable mortgage interest rate and where the cashback is not being provided as an incentive to pay legal costs and valuation feesFF = Flexible features (allowing overpayments and underpayments)OS = Offset positive and negative balancesL = The loan is a lifetime mortgageSA = The loan is a shared appreciation mortgage

Comments

Meta Data ValueXML Schema reference MG31216Business Name Property post codeName of reporting fieldin Policy Statement 04 9

Post code of the mortgaged property

Description The UK post code of mortgaged property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

28

Meta Data ValueXML Schema reference MG31217Business Name Type of borrowerName of reporting field in Policy Statement 04 9

Type of borrower

Description A code which uniquely identifies the type of borrowerXML element Tag TypeBorrowerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home movers (2nd or subsequent buyers)R = Remortgagors C = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

Meta Data ValueXML Schema reference MG31218Business Name Method of repaymentName of reporting field in Policy Statement 04 9

Method of repayment

Description A code which uniquely identifies the method of repayment of the mortgage

XML element Tag RepayMethodXML format String Validation Input is mandatory

Only one code can be enteredValues C = Capital and interest

E = Interest only endowmentI = Interest only ISAP = Interest only pensionU = Interest only unknownM = Mix of capital and interest and interest onlyN = Not known

Comments

29

Meta Data ValueXML Schema reference MG31219Business Name Term of mortgageName of reporting field in Policy Statement 04 9

Term of mortgage

Description The number of whole years that the mortgage will be in forceXML element Tag MtgeTermXML format positiveInteger

totalDigits 2Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference MG312110Business Name Size of loanName of reporting field in Policy Statement 04 9

Size of loan

Description The original interest bearing balance when the mortgage was completed represented as a sterling-equivalent amount

XML element Tag LoanAmtXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 150 of property valuationValues Range from 1 to 999999999Comments

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

26

Meta Data ValueXML Schema reference MG31213Business Name Advice at point of saleName of reporting field in Policy Statement 04 9

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments This field has been Mandatory for all sales from 1 April 2006

Meta Data ValueXML Schema reference MG31214Business Name Type of interest rateName of reporting field in Policy Statement 04 9

Interest rate type

Description A code which uniquely identifies the type of interest rate applied to the mortgage eg fixed rate

XML element Tag TypeIntRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues 01 = Fixed rate

02 = Discounted variable rate03 = Tracker04 = Capped rate05 = Standard variable rate99 = Other Use this when product is not one of the above

Comments Where the mortgage has been set up with different interest rate types report the interest rate type applicable to the largest portion of the overall mortgage balance

Meta Data ValueXML Schema reference MG312151Business Name Mortgage characteristicsName of reporting fieldin Policy Statement 04 9

Mortgage characteristics

Description A code which uniquely identifies additional features of the mortgage such as that the mortgage is a shared appreciation mortgage Up to 5 characteristics can apply to each mortgage sold

XML element Tag MtgeChar

27

XML format StringmaxOccurs 5

Validation Input is optionalUp to 5 codes may be used for a transactionIf more than one code applies all applicable codes should be reported

Values If inputCB = Cashback This should only be reported where it is linked to a variable mortgage interest rate and where the cashback is not being provided as an incentive to pay legal costs and valuation feesFF = Flexible features (allowing overpayments and underpayments)OS = Offset positive and negative balancesL = The loan is a lifetime mortgageSA = The loan is a shared appreciation mortgage

Comments

Meta Data ValueXML Schema reference MG31216Business Name Property post codeName of reporting fieldin Policy Statement 04 9

Post code of the mortgaged property

Description The UK post code of mortgaged property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

28

Meta Data ValueXML Schema reference MG31217Business Name Type of borrowerName of reporting field in Policy Statement 04 9

Type of borrower

Description A code which uniquely identifies the type of borrowerXML element Tag TypeBorrowerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home movers (2nd or subsequent buyers)R = Remortgagors C = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

Meta Data ValueXML Schema reference MG31218Business Name Method of repaymentName of reporting field in Policy Statement 04 9

Method of repayment

Description A code which uniquely identifies the method of repayment of the mortgage

XML element Tag RepayMethodXML format String Validation Input is mandatory

Only one code can be enteredValues C = Capital and interest

E = Interest only endowmentI = Interest only ISAP = Interest only pensionU = Interest only unknownM = Mix of capital and interest and interest onlyN = Not known

Comments

29

Meta Data ValueXML Schema reference MG31219Business Name Term of mortgageName of reporting field in Policy Statement 04 9

Term of mortgage

Description The number of whole years that the mortgage will be in forceXML element Tag MtgeTermXML format positiveInteger

totalDigits 2Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference MG312110Business Name Size of loanName of reporting field in Policy Statement 04 9

Size of loan

Description The original interest bearing balance when the mortgage was completed represented as a sterling-equivalent amount

XML element Tag LoanAmtXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 150 of property valuationValues Range from 1 to 999999999Comments

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

27

XML format StringmaxOccurs 5

Validation Input is optionalUp to 5 codes may be used for a transactionIf more than one code applies all applicable codes should be reported

Values If inputCB = Cashback This should only be reported where it is linked to a variable mortgage interest rate and where the cashback is not being provided as an incentive to pay legal costs and valuation feesFF = Flexible features (allowing overpayments and underpayments)OS = Offset positive and negative balancesL = The loan is a lifetime mortgageSA = The loan is a shared appreciation mortgage

Comments

Meta Data ValueXML Schema reference MG31216Business Name Property post codeName of reporting fieldin Policy Statement 04 9

Post code of the mortgaged property

Description The UK post code of mortgaged property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

28

Meta Data ValueXML Schema reference MG31217Business Name Type of borrowerName of reporting field in Policy Statement 04 9

Type of borrower

Description A code which uniquely identifies the type of borrowerXML element Tag TypeBorrowerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home movers (2nd or subsequent buyers)R = Remortgagors C = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

Meta Data ValueXML Schema reference MG31218Business Name Method of repaymentName of reporting field in Policy Statement 04 9

Method of repayment

Description A code which uniquely identifies the method of repayment of the mortgage

XML element Tag RepayMethodXML format String Validation Input is mandatory

Only one code can be enteredValues C = Capital and interest

E = Interest only endowmentI = Interest only ISAP = Interest only pensionU = Interest only unknownM = Mix of capital and interest and interest onlyN = Not known

Comments

29

Meta Data ValueXML Schema reference MG31219Business Name Term of mortgageName of reporting field in Policy Statement 04 9

Term of mortgage

Description The number of whole years that the mortgage will be in forceXML element Tag MtgeTermXML format positiveInteger

totalDigits 2Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference MG312110Business Name Size of loanName of reporting field in Policy Statement 04 9

Size of loan

Description The original interest bearing balance when the mortgage was completed represented as a sterling-equivalent amount

XML element Tag LoanAmtXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 150 of property valuationValues Range from 1 to 999999999Comments

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

28

Meta Data ValueXML Schema reference MG31217Business Name Type of borrowerName of reporting field in Policy Statement 04 9

Type of borrower

Description A code which uniquely identifies the type of borrowerXML element Tag TypeBorrowerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home movers (2nd or subsequent buyers)R = Remortgagors C = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

Meta Data ValueXML Schema reference MG31218Business Name Method of repaymentName of reporting field in Policy Statement 04 9

Method of repayment

Description A code which uniquely identifies the method of repayment of the mortgage

XML element Tag RepayMethodXML format String Validation Input is mandatory

Only one code can be enteredValues C = Capital and interest

E = Interest only endowmentI = Interest only ISAP = Interest only pensionU = Interest only unknownM = Mix of capital and interest and interest onlyN = Not known

Comments

29

Meta Data ValueXML Schema reference MG31219Business Name Term of mortgageName of reporting field in Policy Statement 04 9

Term of mortgage

Description The number of whole years that the mortgage will be in forceXML element Tag MtgeTermXML format positiveInteger

totalDigits 2Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference MG312110Business Name Size of loanName of reporting field in Policy Statement 04 9

Size of loan

Description The original interest bearing balance when the mortgage was completed represented as a sterling-equivalent amount

XML element Tag LoanAmtXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 150 of property valuationValues Range from 1 to 999999999Comments

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

29

Meta Data ValueXML Schema reference MG31219Business Name Term of mortgageName of reporting field in Policy Statement 04 9

Term of mortgage

Description The number of whole years that the mortgage will be in forceXML element Tag MtgeTermXML format positiveInteger

totalDigits 2Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference MG312110Business Name Size of loanName of reporting field in Policy Statement 04 9

Size of loan

Description The original interest bearing balance when the mortgage was completed represented as a sterling-equivalent amount

XML element Tag LoanAmtXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 150 of property valuationValues Range from 1 to 999999999Comments

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

30

Meta Data ValueXML Schema reference MG312111Business Name Value of mortgaged propertyName of reporting fieldin Policy Statement 04 9

Value of the mortgaged property

Description The value of the mortgaged property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) or bull from the customers estimated values as captured on the

application form For staged construction or self-build schemes value means expected final value of property at the time the lending decision is made

XML element Tag PropertyValue XML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments Staged payments mortgages should only be reported when the

final instalment has been advanced to the borrower The loan size reported should be the total loan advanced

Meta Data ValueXML Schema reference MG312112Business Name Income basisName of reporting field in Policy Statement 04 9

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input S = single income J = joint income

Comments

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

31

Meta Data ValueXML Schema reference MG312113Business Name Date of birth of main borrowerName of reporting field in Policy Statement 04 9

Age of main borrower

Description The date of birth of first named borrower only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference MG312114Business Name Purpose of remortgageName of reporting fieldin Policy Statement 04 9

Remortgage transactions only

Description A code which uniquely identifies the reason for the remortgageXML element Tag RemtgePurposeXML format String Validation Input is mandatory for remortgages (where type of borrower = R

- remortgager) otherwise field should be not be inputOnly 1 code can be entered

Values If inputN = No extra money raisedH = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

32

Meta Data ValueXML Schema reference MG312115Business Name Main borrower employment statusName of reporting fieldin Policy Statement 04 9

Employment status of main borrower

Description A code which uniquely identifies the employment status of first-named borrower only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

Meta Data ValueXML Schema reference MG312116Business Name Total gross incomeName of reporting fieldin Policy Statement 04 9

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual borrowers whose incomes were taken into account when the lender made the lending assessmentdecision For these purposes each borrowers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if borrower A has gross income of pound25000 and borrower B has gross income of pound20000 then total gross income for the loan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If input Range 0 to 99999999Comments

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

33

Meta Data ValueXML Schema reference MG312117Business Name Income verificationName of reporting field in Policy Statement 04 9

Income verification

Description Indicates whether income has been verified in the case of loans based on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is optional for lifetime and shared appreciation mortgages

(mortgage characteristics = L or SA) otherwise input is mandatory

Values If inputY = income evidencedN = income not evidenced

Comments

Meta Data ValueXML Schema reference MG312118Business Name Value of main borrowers County Court Judgements (CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named borrower within the last three years

XML element Tag MainBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

34

Meta Data ValueXML Schema reference MG312119Business Name Value of second borrowers County Court Judgements

(CCJs)Name of reporting field in Policy Statement 04 9

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named borrower within the last three years

XML element Tag SecondBorrowerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all CCJ data can be reported in the borrower 1 reporting field (MainBorrowerCCJValue)Input is optional because CCJs do not apply to all mortgages Where they do apply they must be reported

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

35

Meta Data ValueXML Schema reference MG3121201Business Name Impaired credit history of main borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag MainBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field (MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

36

Meta Data ValueXML Schema reference MG3121211Business Name Impaired credit history of second borrowerName of reporting field in Policy Statement 04 9

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named borrowerUp to 3 impaired credit history factors may be reported

XML element Tag SecondBorrowerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the borrower(s) has arrears on a previous (or current) mortgage or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the borrower(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the borrower(s) has been subject to a bankruptcy order at any time within the last three years

If supplied must not be more than 3 occurrences and each occurrence must be differentrsquo

Comments In the case of joint applications impaired credit data should be reported against the appropriate borrower (ie borrower 1 or 2 or both) However if a firms systems do not allow this information to be reported against both borrowers all impaired credit data can be reported in the borrower 1 reporting field(MainBorrowerImpCredHist)Input is optional because impaired credit history does not apply to all mortgages Where it does apply it must be reported

Meta Data ValueXML Schema reference MG312122Business Name Initial gross interest rateName of reporting field in Policy Statement 04 9

Initial gross charging rate of interest

Description The initial gross nominal rate charged on the loan taking into account any discount given Where the advance is split the interest rate applying to the largest part of the advance should be entered

XML element Tag InitialGrossIntRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

37

Validation Input is optionalValues Range 0 to 9999Comments

Meta Data ValueXML Schema reference MG312123Business Name Date incentive rate endsName of reporting field in Policy Statement 04 9

Date incentivised rate ends

Description The date on which any incentivised interest rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments If reported it is only applicable to fixed capped or discounted

rates where the customer is paying an incentivised rate for a set period

Meta Data ValueXML Schema reference MG312124Business Name Date early repayment charge endsName of reporting fieldin Policy Statement 04 9

Date early repayment charge ends

Description If an early repayment charge applies to the mortgage this element records the date on which the early repayment charge ends

XML element Tag DateERCEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the mortgageMust not be before the Mortgage Account Opening Date (AcctOpenDate)

ValuesComments

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

38

Meta Data ValueXML Schema reference MG312125Business Name Purchase priceName of reporting field in Policy Statement 04 9

Purchase price of property

Description The purchase price of property as stated on the application formrepresented as a sterling-equivalent amount This is relevant for purchases only

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference MG312126Business Name Type of dwellingName of reporting fieldin Policy Statement 04 9

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is to be mortgaged

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

39

Meta Data ValueXML Schema reference MG312127Business Name Number of habitable roomsName of reporting field in Policy Statement 04 9

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property to be mortgaged

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312128Business Name Number of bedroomsName of reporting fieldin Policy Statement 04 9

Number of bedrooms

Description The number of bedrooms in the property to be mortgagedXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference MG312129Business Name Is this a new dwellingName of reporting field in Policy Statement 04 9

Is the dwelling new

Description Identifies whether the property to be mortgaged is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

40

Meta Data ValueXML Schema reference MG312130Business Name Garage includedName of reporting field in Policy Statement 04 9

Does the property have a garage

Description Identifies whether the property to be mortgaged has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference MG312131Business Name Does mortgage payment protection insurance applyName of reporting field in Policy Statement 04 9

Is mortgage payment protection insurance (MPPI) being taken out with the mortgage

Description Identifies whether mortgage payment protection insurance (MPPI) being taken out with the mortgageMPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag MtgeProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

41

Home Reversion data element details

Meta Data ValueXML Schema reference HR31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA Reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HR31212Business Name Date reversion plan commencedName of reporting field in Consultation Paper 0613

Date reversion plan commenced

Description The date ownership of property was transferred and equity was released

XML element Tag RevPlanDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

ValuesComments

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

42

Meta Data ValueXML Schema reference HR31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HR312141Business Name Reversion CharacteristicsName of reporting field in Consultation Paper 0613

Reversion Characteristics

Description A code which uniquely identifies the plan typeXML element Tag ReversionCharXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Full Reversion

FI = Full Reversion linked to an investment with a view to providing income

P = Partial reversion

PI = Partial reversion linked to an investment with a view to providing income

O = OtherComments

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

43

Meta Data ValueXML Schema reference HR31215Business Name Property post codeName of reporting field in Consultation Paper 0613

Post code of the property that is subject to the plan

Description The UK post code of property eg XY45 6XXXML element Tag PropertyPostCodeXML format String

maxLength 8Validation Input is mandatoryValuesComments For new build self-build properties ONLY firms only need to

report the first half of the post code eg XY45 For all other properties the full post code of the property must be reported eg XY45 6XX

Meta Data ValueXML Schema reference HR31216Business Name Reversion SumName of reporting field in Consultation Paper 0613

Reversion Sum

Description The original amount (or first instalment) of the plan representedas a sterling-equivalent amount

XML element Tag ReversionSumXML format positiveInteger

totalDigits9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

44

Meta Data ValueXML Schema reference HR31217Business Name Full market value of propertyName of reporting field in Consultation Paper 0613

Full market value of property

Description The actual market value of the property or portion of property that is intended for reversion represented as a sterling-equivalent amount

The value is based on the surveyors valuation (or from valuation index)

XML element Tag FullMktPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999

Comments

Meta Data ValueXML Schema reference HR31218Business Name Discounted value of reverted propertyName of reporting field in Consultation Paper 0613

Discounted value of reverted property

Description The value assigned by the firm based on their criteria to the property or portion of the property that is intended for reversion represented as a sterling-equivalent amount

XML element Tag DiscRevrtPropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

45

Meta Data ValueXML Schema reference HR31219Business Name Date of birth of main plan holderName of reporting field in Consultation Paper 0613

Date of birth of main plan holder

Description The date of birth of first named plan holder only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HR312110Business Name Purpose of reversionName of reporting field in Consultation Paper 0613

Purpose of reversion

Description A code which uniquely identifies the reason for the reversionXML element Tag PurposeReversionXML format String Validation Input is mandatory

Only 1 code can be enteredValues If input

H = Extra money raised for home improvementsD = Extra money raised for debt consolidationM = Extra money raised for home improvements and debt consolidationO = Other

Comments

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

46

Home Purchase Plan specific data element details

Meta Data ValueXML Schema reference HP31211Business Name Intermediarys principal or networkName of reporting field in Consultation Paper 0613

FSA reference number of the intermediarys principal or network

Description The FSA reference number of the intermediary firms network or principal (if any)

XML element Tag PrincipalOrNetworkFSARefXML format String

[1-9]1[0-9]56Validation Input is optionalValuesComments If reported this field is only applicable if the sale has been made

by an intermediary firm (an appointed representative firm) who has a principal or is part of a network

Meta Data ValueXML Schema reference HP31212Business Name Date HPP account openedName of reporting field in Consultation Paper 0613

Date HPP account opened

Description Date HPP commenced

XML element Tag HPPAcctOpenDateXML format DateValidation Input is mandatory

Must not be a future saleMust not be after the end of the current quarter Must not be before October-01-2007

Values

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

47

Meta Data ValueXML Schema reference HP31213Business Name Advice at point of saleName of reporting field in Consultation Paper 0613

Advice at point of sale

Description Identifies whether the customer received advice from the product provider or their intermediary before buying the product

XML element Tag AdvisedSaleXML format StringValidation Input is mandatoryValues If input Y = advised

N = non-advised (includes execution only and direct offer transactions)

Comments

Meta Data ValueXML Schema reference HP31214Business Name Type of rental rateName of reporting field in Consultation Paper 0613

Type of rental rate

Description A code which uniquely identifies the type of rental rate applied to the HPP

XML element Tag TypeRentRateXML format StringValidation Input is mandatory

Only 1 code can be enteredValues F = Fixed rate

V = Variable rateO = Other Use this when product is not one of the above

Comments

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

48

Meta Data ValueXML Schema reference HP312151Business Name HPP characteristicsName of reporting field in Consultation Paper 0613

HPP characteristics

Description A code which uniquely identifies plan type Only 1 code can be entered

XML element Tag HPPCharXML format StringValidation Input is mandatoryValues If input

I = IjaraD = Diminishing MusharakaO = Other

Comments

Meta Data ValueXML Schema reference HP31216Business Name Type of home buyerName of reporting field in Consultation Paper 0613

Type of home buyer

Description A code which uniquely identifies the type of homebuyerXML element Tag TypeHomeBuyerXML format String Validation Input is mandatory

Only one code can be enteredValues F = First time buyer

M = Home moversR = Re-financeC = Council registered social landlord tenant exercising their right to buyO = Other N = Not known

Comments

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

49

Meta Data ValueXML Schema reference HP31217Business Name Term of HPPName of reporting field in Consultation Paper 0613

Term of HPP

Description The number of whole years that the plan will be in forceXML element Tag HPPTermXML format positiveInteger

totalDigits 2Validation Input is mandatory Values If input Range 1 to 99Comments

Meta Data ValueXML Schema reference HP31218Business Name Amount Granted to Home BuyerName of reporting field in Consultation Paper 0613

Amount Granted to Home Buyer

Description The original balance when the plan was commenced ie the amount the provider is contributing to the purchase representedas a sterling-equivalent amount

XML element Tag HPPAmountGrantedXML format positiveInteger

totalDigits 9Validation Input is mandatory

Maximum allowed value 100 of property valuationValues Range from 1 to 999999999Comments

Meta Data ValueXML Schema reference HP31219Business Name Value of propertyName of reporting field in Consultation Paper 0613

Value of property

Description The value of the property represented as a sterling-equivalent amount The value is based onbull the surveyors valuation (or from valuation index) orbull from the customers estimated values as captured on the

application formXML element Tag PropertyValueXML format positiveInteger

totalDigits 9Validation Input is mandatoryValues Range from 1 to 999999999Comments

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

50

Meta Data ValueXML Schema reference HP312110Business Name Income basisName of reporting field in Consultation Paper 0613

Income basis

Description Indicates whether the income assessment has been made on a single or joint basis

XML element Tag IncomeBasisXML format StringValidation Input is mandatory Values If input S = single income

J = joint incomeComments

Meta Data ValueXML Schema reference HP312111Business Name Date of birth of main home buyerName of reporting field in Consultation Paper 0613

Date of Birth of main home buyer

Description The date of birth of first named home buyer only XML element Tag MainDOBXML format Date Validation Input is mandatory

Must indicate age between 18 and 115 inclusiveValuesComments

Meta Data ValueXML Schema reference HP312112Business Name Main home buyer employment statusName of reporting field in Consultation Paper 0613

Main home buyer employment status

Description A code which uniquely identifies the employment status of first-named home buyer only

XML element Tag MainEmpStatusXML format StringValidation Input is mandatory

Only 1 code can be enteredValues E = Employed

S = Self-employedR = RetiredO = Other

Comments

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

51

Meta Data ValueXML Schema reference HP312113Business Name Total gross incomeName of reporting field in Consultation Paper 0613

Total gross income

Description The total of the gross annual incomes (before tax or other deductions) of each of the individual home buyers whose incomes were taken into account when the provider made the plan assessmentdecision For these purposes each home buyers gross income is the sum of that persons main income and any other reckonable income (eg overtime income from sources etc to the extent that the lender takes such additional income into account in whole or part) For example if home buyer A has gross income of pound25000 and home buyer B has gross income of pound20000 then total gross income for the plan would be pound45000

XML element Tag GrossIncomeXML format NonNegativeInteger

totalDigits 8Validation Input is mandatoryValues If input Range 0 to 99999999Comments

Meta Data ValueXML Schema reference HP312114Business Name Income verificationName of reporting field in Consultation Paper 0613

Income verification

Description Indicates whether income has been verified in the case of plansbased on one or more persons income

XML element Tag IncomeVerificationXML format StringValidation Input is mandatoryValues If input

Y = income evidencedN = income not evidenced

Comments

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

52

Meta Data ValueXML Schema reference HP312115Business Name Value of main homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description The total value of CCJs (either satisfied or unsatisfied) registered against first named homebuyer within the last three years

XML element Tag MainHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Input is optionalValues Only to be provided if the total value is pound500 or greaterComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

Meta Data ValueXML Schema reference HP312116Business Name Value of second homebuyers County Court Judgements

(CCJs)Name of reporting field in Consultation Paper 0613

County Court Judgements (CCJs) value

Description Total value of CCJs (either satisfied or unsatisfied) registered against second named homebuyer within the last three years

XML element Tag SecondHomeBuyerCCJValueXML format NonNegativeInteger

totalDigits 7Validation Only to be provided if the total value is pound500 or greaterValues Input is optionalComments In the case of joint applications CCJs should be reported against

the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all CCJ data can be reported in the homebuyer 1 reporting field (MainHomeBuyerCCJValue)Input is optional because CCJs do not apply to all plans Where they do apply they must be reported

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

53

Meta Data ValueXML Schema reference HP3121171Business Name Impaired credit history of main homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the first named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag MainHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

54

Meta Data ValueXML Schema reference HP3121181Business Name Impaired credit history of second homebuyerName of reporting field in Consultation Paper 0613

Impaired credit history

Description A code which uniquely identifies a factor in the impaired credit history of the second named homebuyerUp to 3 impaired credit history factors may be reported

XML element Tag SecondHomeBuyerImpCredHistXML format String

maxOccurs 3Validation Input is optionalValues If input

A = arrears Applies to secured loans and unsecured loans where the homebuyer(s) has arrears on a previous (or current) plan or other secured loan within the last two years where the cumulative amount overdue at any point reached three or more monthly paymentsV = IVA Applies where the homebuyer(s) has been subject to an Individual Voluntary Arrangement (IVA) at any time within the last 3 yearsB = bankruptcy Applies where the homebuyer(s) has been subject to a bankruptcy order at any time within the last threeyears

Comments In the case of joint applications impaired credit data should be reported against the appropriate homebuyer (ie homebuyer 1 or 2 or both) However if a firms systems do not allow this information to be reported against both homebuyers all impaired credit data can be reported in the homebuyer 1 reporting field (MainHomeBuyerImpCredHist)Input is optional because impaired credit history does not apply to all plans Where it does apply it must be reported

Meta Data ValueXML Schema reference HP312119Business Name Initial gross rental rateName of reporting field in Consultation Paper 0613

Initial gross rental rate

Description The initial gross nominal rental rate charged under the plantaking into account any discount given

XML element Tag InitialGrossRentRateXML format Decimal

minInclusive 0maxInclusive 9999fractionDigits 2

Validation Input is optionalValues Range 0 to 9999Comments

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

55

Meta Data ValueXML Schema reference HP312120Business Name Date incentive rate endsName of reporting field in Consultation Paper 0613

Date incentivised rate ends

Description The date on which any incentivised rental rate period ends

XML element Tag DateIncentiveRateEndsXML format dateValidation Input is optional

If inputMust not exceed the period of the planMust not be before the Date HPP account opened(HPPAcctOpenDate)

ValuesComments If reported it is only applicable where the customer is paying an

incentivised rate for a set period

Meta Data ValueXML Schema reference HP312121Business Name Purchase priceName of reporting field in Consultation Paper 0613

Purchase price of property

Description The purchase price of property as stated on the application form represented as a sterling-equivalent amount

XML element Tag PurchasePriceXML format positiveInteger

totalDigits 9Validation Input is optionalValues If input Range from 1 to 999999999Comments

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

56

Meta Data ValueXML Schema reference HP312122Business Name Type of dwellingName of reporting field in Consultation Paper 0613

Type of dwelling

Description A code which uniquely identifies the type of dwelling which is subject to the plan

XML element Tag TypeDwellingXML format String Validation Input is optional

Only 1 code can be enteredValues If input

B = bungalowD = detached houseS = semi-detached houseT = terraced houseF = flat or maisonette in converted houseP = purpose built flat or maisonetteO = other

Comments

Meta Data ValueXML Schema reference HP312123Business Name Number of habitable roomsName of reporting field in Consultation Paper 0613

Number of habitable rooms

Description The Number of habitable rooms (including kitchen but not bathroomtoilet) in the property subject to the plan

XML element Tag NumHabitableRoomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

57

Meta Data ValueXML Schema reference HP312124Business Name Number of bedroomsName of reporting field in Consultation Paper 0613

Number of bedrooms

Description The number of bedrooms in the property subject to the planXML element Tag NumBedroomsXML format NonNegativeInteger

totalDigits 2Validation Input is optionalValuesComments

Meta Data ValueXML Schema reference HP312125Business Name Is this a new dwellingName of reporting field in Consultation Paper 0613

Is the dwelling new

Description Identifies whether the property subject to the plan is new New refers to the period in which the main structure of the dwelling was completed and also means where a dwelling is being occupied for the first time Therefore it does not include new conversions of older dwellings

XML element Tag NewDwellingXML format StringValidation Input is optional Values If input

Y = YesN = No

Comments

Meta Data ValueXML Schema reference HP312126Business Name Garage includedName of reporting field in Consultation Paper 0613

Does the property have a garage

Description Identifies whether the property subject to the plan has a garage The garage should be a permanent structure but does not have to stand on the main site of the property

XML element Tag GarageIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

58

Meta Data ValueXML Schema reference HP312127Business Name Does payment protection insurance applyName of reporting field in Consultation Paper 0613

Is payment protection insurance (PPI) being taken out with the plan

Description Identifies whether payment protection insurance (PPI) being taken out with the planPPI can be any of the following1) full accident sickness and employment insurance2) accident and sickness only3) unemployment only

XML element Tag HPProtectionPlanIncXML format StringValidation Input is optionalValues If input

Y = YesN = No

Comments Report yes even where the policy was sold or provided free and irrespective of whether the premiums are collected by the lender or the insurer

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

59

Appendix A Examples of XML documents

This appendix contains one example of an XML document for each product type (retail investment pure protection contracts mortgage home reversion and home purchase plan)Each example contains one product details message All data is valid and all optional fields are populated The purpose of the examples is to show how the fields might be populated The examples are not intended to represent a realistic product sale The examples are compatible with the versions of the schemas in Versions of PSD XML Schemas

Retail investment document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedRI xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedRI-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedRIMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltRetailInvestmentgt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltCustPostCodegtW1A 1QQltCustPostCodegt

ltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltCustDOBgt1980-01-30ltCustDOBgt

ltDateInForcegt2004-03-22ltDateInForcegtltRetailInvestmentgtltFSAHSFFeedRIMsggtltFSAHSFFeedRIgt

60

Pure protection contract product document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedPP xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedPP-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedPPMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltPureProtectiongt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltTypePolicygt99ltTypePolicygtltAdvisedSalegtYltAdvisedSalegtltPremPaymentMethodgtSltPremPaymentMethodgtltTotalPremAmtgt10000ltTotalPremAmtgtltDateInForcegt2004-03-22ltDateInForcegt

ltPureProtectiongtltFSAHSFFeedPPMsggtltFSAHSFFeedPPgt

61

Mortgage document example

ltxml version=10 encoding=utf-8 gt- ltFSAHSFFeedMG xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedMG-v1-2gt- ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFeedTargetSchemaVersiongt12ltFeedTargetSchemaVersiongt- ltSubmittergt

ltSubmittingFirmgt123456ltSubmittingFirmgtltSubmittingDeptgtABC123ltSubmittingDeptgt

ltSubmittergt- ltReportDetailsgt

ltReportCreationDategt2004-03-22ltReportCreationDategtltReportIdentifiergtABC12322ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergt

- ltFSAHSFFeedMGMsggt- ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt

ltFirmFSARefgt123456ltFirmFSARefgtltTransRefgtABC123451ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgt- ltMortgagegt

ltPrincipalOrNetworkFSARefgt123456ltPrincipalOrNetworkFSARefgtltAcctOpenDategt2004-01-01ltAcctOpenDategtltAdvisedSalegtYltAdvisedSalegtltTypeIntRategt01ltTypeIntRategt

- ltMtgeCharsListgtltMtgeChargtFFltMtgeChargtltMtgeChargtLltMtgeChargtltMtgeChargtSAltMtgeChargt

ltMtgeCharsListgtltPropertyPostCodegtBS3 6KLltPropertyPostCodegtltTypeBorrowergtRltTypeBorrowergtltRepayMethodgtCltRepayMethodgtltMtgeTermgt25ltMtgeTermgtltLoanAmtgt100000ltLoanAmtgtltPropertyValuegt100000ltPropertyValuegtltIncomeBasisgtSltIncomeBasisgtltMainDOBgt1980-01-01ltMainDOBgtltRemtgePurposegtNltRemtgePurposegtltMainEmpStatusgtEltMainEmpStatusgtltGrossIncomegt40000ltGrossIncomegtltIncomeVerificationgtYltIncomeVerificationgtltMainBorrowerCCJValuegt1000ltMainBorrowerCCJValuegtltSecondBorrowerCCJValuegt2000ltSecondBorrowerCCJValuegt

- ltMainBorrowerImpCredHistListgtltMainBorrowerImpCredHistgtAltMainBorrowerImpCredHistgt

ltMainBorrowerImpCredHistListgt- ltSecondBorrowerImpCredHistListgt

ltSecondBorrowerImpCredHistgtVltSecondBorrowerImpCredHistgtltSecondBorrowerImpCredHistListgtltInitialGrossIntRategt575ltInitialGrossIntRategtltDateIncentiveRateEndsgt2008-01-01ltDateIncentiveRateEndsgtltDateERCEndsgt2008-01-01ltDateERCEndsgtltPurchasePricegt100000ltPurchasePricegtltTypeDwellinggtDltTypeDwellinggtltNumHabitableRoomsgt5ltNumHabitableRoomsgtltNumBedroomsgt2ltNumBedroomsgt

62

ltNewDwellinggtNltNewDwellinggtltGarageIncgtYltGarageIncgtltMtgeProtectionPlanIncgtNltMtgeProtectionPlanIncgt

ltMortgagegtltFSAHSFFeedMGMsggtltFSAHSFFeedMGgt

63

Home Reversion document example

ltxml version=10 encoding=UTF-8 gtltFSAHSFFeedHR xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedHR-v1-0gt

ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt ltFeedTargetSchemaVersiongt10ltFeedTargetSchemaVersiongt

ltSubmittergtltSubmittingFirmgt207386ltSubmittingFirmgtltSubmittingDeptgtDefaultltSubmittingDeptgt

ltSubmittergtltReportDetailsgt

ltReportCreationDategt2007-04-04ltReportCreationDategtltReportIdentifiergt20070621175445_Sz1ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergtltFSAHSFFeedHRMsggt

ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gtltFirmFSARefgt207386ltFirmFSARefgtltTransRefgtABC1ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgtltHomeReversiongt

ltPrincipalOrNetworkFSARefgt207386ltPrincipalOrNetworkFSARefgtltRevPlanDategt2007-04-04ltRevPlanDategtltAdvisedSalegtYltAdvisedSalegtltReversionCharsListgt

ltReversionChargtFltReversionChargtltReversionCharsListgtltPropertyPostCodegtME17 1XltPropertyPostCodegtltReversionSumgt100000ltReversionSumgtltFullMktPropertyValuegt200000ltFullMktPropertyValuegtltDiscRevrtPropertyValuegt2345ltDiscRevrtPropertyValuegtltMainDOBgt1963-04-10ltMainDOBgtltPurposeReversiongtHltPurposeReversiongt

ltHomeReversiongtltFSAHSFFeedHRMsggt

ltFSAHSFFeedHRgt

63

Home Reversion document example

ltxml version=10 encoding=UTF-8 gtltFSAHSFFeedHR xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedHR-v1-0gt

ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt ltFeedTargetSchemaVersiongt10ltFeedTargetSchemaVersiongt

ltSubmittergtltSubmittingFirmgt207386ltSubmittingFirmgtltSubmittingDeptgtDefaultltSubmittingDeptgt

ltSubmittergtltReportDetailsgt

ltReportCreationDategt2007-04-04ltReportCreationDategtltReportIdentifiergt20070621175445_Sz1ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergtltFSAHSFFeedHRMsggt

ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gtltFirmFSARefgt207386ltFirmFSARefgtltTransRefgtABC1ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgtltHomeReversiongt

ltPrincipalOrNetworkFSARefgt207386ltPrincipalOrNetworkFSARefgtltRevPlanDategt2007-04-04ltRevPlanDategtltAdvisedSalegtYltAdvisedSalegtltReversionCharsListgt

ltReversionChargtFltReversionChargtltReversionCharsListgtltPropertyPostCodegtME17 1XltPropertyPostCodegtltReversionSumgt100000ltReversionSumgtltFullMktPropertyValuegt200000ltFullMktPropertyValuegtltDiscRevrtPropertyValuegt2345ltDiscRevrtPropertyValuegtltMainDOBgt1963-04-10ltMainDOBgtltPurposeReversiongtHltPurposeReversiongt

ltHomeReversiongtltFSAHSFFeedHRMsggt

ltFSAHSFFeedHRgt

64

Home Purchase Plan document example

ltxml version=10 encoding=UTF-8 gtltFSAHSFFeedHP xmlns=httpwwwfsagovukXMLSchemaFSAHSFFeedHP-v1-0gt

ltFSAFeedHeader xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gt ltFeedTargetSchemaVersiongt10ltFeedTargetSchemaVersiongt

ltSubmittergtltSubmittingFirmgt200140ltSubmittingFirmgtltSubmittingDeptgtDefaultltSubmittingDeptgt

ltSubmittergtltReportDetailsgt

ltReportCreationDategt2007-04-04ltReportCreationDategtltReportIdentifiergt20070412151457_Sz1ltReportIdentifiergt

ltReportDetailsgtltFSAFeedHeadergtltFSAHSFFeedHPMsggt

ltCoreItems xmlns=httpwwwfsagovukXMLSchemaFSAFeedCommon-v1-2gtltFirmFSARefgt207386ltFirmFSARefgtltTransRefgtABC1ltTransRefgtltCancellationgtfalseltCancellationgt

ltCoreItemsgtltHomePurchasegt

ltPrincipalOrNetworkFSARefgt200140ltPrincipalOrNetworkFSARefgtltHPPAcctOpenDategt2007-04-04ltHPPAcctOpenDategtltAdvisedSalegtYltAdvisedSalegtltTypeRentRategtVltTypeRentRategtltHPPCharsListgt

ltHPPChargtIltHPPChargtltHPPCharsListgtltTypeHomeBuyergtFltTypeHomeBuyergtltHPPTermgt20ltHPPTermgtltHPPAmountGrantedgt123ltHPPAmountGrantedgtltPropertyValuegt123ltPropertyValuegtltIncomeBasisgtSltIncomeBasisgtltMainDOBgt1963-04-10ltMainDOBgtltMainEmpStatusgtEltMainEmpStatusgtltGrossIncomegt12345ltGrossIncomegtltIncomeVerificationgtYltIncomeVerificationgtltMainHomeBuyerCCJValuegt10ltMainHomeBuyerCCJValuegtltSecondHomeBuyerCCJValuegt10ltSecondHomeBuyerCCJValuegtltMainHomeBuyerImpCredHistListgt

ltMainHomeBuyerImpCredHistgtAltMainHomeBuyerImpCredHistgtltMainHomeBuyerImpCredHistListgtltSecondHomeBuyerImpCredHistListgt

ltSecondHomeBuyerImpCredHistgtAltSecondHomeBuyerImpCredHistgtltSecondHomeBuyerImpCredHistListgtltInitialGrossRentRategt1212ltInitialGrossRentRategtltDateIncentiveRateEndsgt2006-12-12ltDateIncentiveRateEndsgtltPurchasePricegt111ltPurchasePricegtltTypeDwellinggtBltTypeDwellinggtltNumHabitableRoomsgt2ltNumHabitableRoomsgtltNumBedroomsgt1ltNumBedroomsgtltNewDwellinggtYltNewDwellinggtltGarageIncgtYltGarageIncgtltHPProtectionPlanIncgtYltHPProtectionPlanIncgt

ltHomePurchasegtltFSAHSFFeedHPMsggt

ltFSAHSFFeedHPgt