Enums
LoanStatusEnum
These enums communicate the status of a loan.
Enums | Enum number | Description |
|---|---|---|
Received | 1 | Arix received a new loan application. Send attachments as the next step in the process. |
DocsComplete | 2 | All required documents were received |
PassedCompliance | 3 | Loan successfully passed compliance |
Approved | 4 | Loan was approved for funding |
InFunding | 5 | At least 1 rail was submitted for funding |
Funded | 6 | Full loan amount was funded |
AccountingEntriesComplete | 7 | An internal Cross River process. Confirms that account entries are complete. |
ReadyToSell | 8 | Loan finished the seasoning period and is ready to be sold (not in use) Use the ReadyForPurchase status from LoanSaleStatusUpdatedloansalestatusupdated |
Sold | 9 | Loan was sold (not in use) Sale info is on the post-purchase report in SFTP |
Settled | 10 | Loan was paid back by end user (not in use) |
AwaitingFunding | 11 | All compliance rules were passed and the system is waiting for the funding information. Once in this status, only a PUT /FundingInfo will get the loan funded. |
InReverse | 80 | A return/ cancel has been requested, and the funding is being returned to the originating account. |
AccountingEntriesReversed | 90 | Internal status Loan was canceled or fully returned and accounting entries were reversed. |
Cancelled | 100 | Issuing bank canceled the loan. Terminal State |
ComplianceFailed | 101 | Loan failed the compliance check |
Rejected | 102 | Issuing bank didn't approve - possible only prior to funding. Terminal State. |
Returned | 103 | All rails that were successfully funded came back as returned |
NotFullyFunded | 104 | Funding was attempted, but a balance remains to be funded |
FundingResult enums
These enums communicate the results of a funding attempt.
Enums | Enum number | Description |
|---|---|---|
Success | 0 | All funded |
PartialFailure | 1 | Some funds were sent successfully, but some failed |
FundingFailed | 2 | Funding failed and nothing was funded |
RailResultType enums
These enums communicate the results of a rail transaction as part of the funding attempt.
Enums | Enum number | Description |
|---|---|---|
NotAttemptd | 0 | Rail wasn't attempted |
Requested | 1 | API call was successful and the funds are pending transmission |
Success | 2 | Full requested amount has been funded and released on the rail. Note: There is lag time between the time an ACH is sent and when it is received (by the receiving bank), usually 1 business day (unless it was sent as a same-day ACH). Cross River considers the rail a success if and until we receive a notice from the receiving bank that the rail failed. At that time, the status of the rail changes from Success to Returned. |
RequestFailure | 3 | The request to fund failed immediately upon request (usually due to a mistake in the API instructions.) |
Rejected | 4 | The rail was rejected |
Returned | 5 | The rail that was sent and marked as success was returned. |
Skipped | 6 | A rail was skipped. No need to reattempt the funding. |
ValidationFail | 7 | The rail failed because it could not be validated |
CosAchPaymentRejected | 8 | Arix received a notification that a specific ACH rail was rejected (Internal Ops) |
CosAchPaymentCanceled | 9 | Cross River Ops canceled the ACH payment (Internal Ops) |
CosAchNocReceived | 10 | A Notice of Change (NOC) was received. Relevant for recurrent disbursements. (Internal Ops) Contact customer for updated instructions. |
CosAchHoldEscalated | 11 | Cross River Ops put the ACH transaction on hold (Internal Ops) |
CosCoreTransactionCompleted | 12 | COS Core (part of XPay) transaction was completed successfully (Internal Ops) |
CosCoreTransactionRejected | 13 | COS Core (part of XPay) transaction was unable to complete (Internal Ops) |
CosXPaymentReceived | 15 | Inbound payment request has been received and is awaiting approval (Internal Ops) |
CosXPaymentCanceled | 16 | Payment canceled at the sender's request or has expired (Internal Ops) |
CosXPaymentRejected | 17 | Payment was rejected by the receiver (Internal Ops) |
CosXPaymentFailed | 18 | Payment failed to post to either the sender or receiver's account. Most commonly due to insufficient funds (Internal Ops) |
CosXPaymentCompleted | 19 | Payment has been posted to both the sender and receiver's accounts (Internal Ops) |
CosCoreTransactionCompletedReverse | 20 | COS Core (part of XPay) reversal transaction has been completed (Internal Ops) |
CosXPaymentRejectedReverse | 24 | COS XPay requested reversal hasn't been approved (Internal Ops) |
CosXPaymentFailedReverse | 25 | COS XPay requested reversal was unable to be reversed (Internal Ops) |
CosXPaymentCanceledReverse | 26 | COS XPay reversal was canceled (Internal Ops) |
CheckCashed | 27 | Check was cashed |
CheckPrinted | 28 | Check was printed (Not in use) |
DigitalCheckPrinted | 29 | A digital check was printed (Not in use) |
CheckMailed | 30 | The check was mailed |
Failed | 31 | The check was not able to be cashed |
Cancelled | 32 | Rail was cancelled |
OnHold | 33 | Payment is on hold. |
PullReturned | 34 | The Pull Funding was returned. This will cause the balance of the loan to increase. The partner should review this loan and check for over funding by looking at the total amount of rails sent out. Contact Cross River if this is the case. Additional information:Pull funding (ACH debit) rail |
ShippingTrackingAdded | 35 | A tracking number has been added for the Check that has been sent. |
RailType enums
These enums communicate the type of rail used to make the transactions.
Enums | Enum number | Description |
|---|---|---|
RPPS | 4 | RPPS rail |
NF | 7 | No funding |
COSACH | 8 | Next day funding via ACH |
COSACHSD | 9 | Same day funding via ACH |
COSXPay | 10 | Internal transfer between CR accounts |
AdjustmentAction | 20 | Adjustments to a loan after it was funded |
Check | 30 | Physical check |
RTP | 40 | Real Time Payments |
Card | 50 | Card |
Wire | 60 | Wire |
RPPS enums
RPPS uses enums to return funding attempt results.
Enum name | Enum number | Description |
|---|---|---|
Received | 1 | The funding attempt was received by RPPS |
Submitted | 2 | The funding attempt was submitted by RPPS |
Pending | 3 | The funding attempt is pending |
Approved | 4 | The funding attempt was approved by RPPS |
Rejected | 5 | The funding attempt was rejected by RPPS |
Failed | 6 | The funding attempt failed in RPPS |
Returned | 7 | The rail was returned by RPPS |
LoanSaleStatusUpdated
These enums communicate the status of the loan within CRB financial warehouse.
Enum name | Enum number | Description |
|---|---|---|
Pending | 0 | Loan seasoning is pending |
InSeasoning | 1 | The loan has been funded and is in seasoning |
ReadyForPurchase | 2 | Loan seasoning completed and the loan is available for purchase |
PurchaseRequested | 3 | Purchase has been requested but is not yet complete |
RemovedFromSeasoning | 4 | The loan was removed from seasoning, transitioning to ReadyForPurchase |
Purchased | 5 | The loan has been purchased |
Canceled | 6 | The loan was canceled |
AwaitingInvestorAllocation | 7 | The loan is pending allocation |
InGroomingAwaitingAccounts | 10 | A change to the loan financial arrangement (loan type) was requested, awaiting accounts |
InGroomingAwaitingRetroactiveInterest | 11 | A change to the loan financial arrangement (loan type) was requested, interest being recalculated |