metro_2 1.0.2 → 1.1.0

checksums.yaml

@@ -1,7 +1,7 @@
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-  data.tar.gz: 140bc24d120d344ad364dc5369bbb14b1987328c
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+  data.tar.gz: 41b9493ad07542925617fea53a1707aa2e63394d
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data/lib/metro_2.rb

@@ -2,6 +2,129 @@ require 'metro_2/version'
 
 module Metro2
 
+  PORTFOLIO_TYPE = {
+    line_of_credit: 'C',
+    installment: 'I',
+    mortgage: 'M',
+    open_account: 'O',
+    revolving: 'R'
+  }.freeze
+
+  ACCOUNT_TYPE = {
+    unsecured: '01',
+    education: '12'
+    # TODO: add other account types
+  }.freeze
+
+  ECOA_CODE = {
+    individual: '1'
+    # TODO: add other ECOA codes
+  }.freeze
+
+  INTEREST_TYPE_INDICATOR = {
+    fixed: 'F',
+    variable: 'V'
+  }.freeze
+
+  TERMS_FREQUENCY = {
+    deferred: 'D',
+    single_payment: 'P',
+    weekly: 'W',
+    biweekly: 'B',
+    semimonthly: 'S',
+    monthly: 'M',
+    bimonthly: 'L',
+    quarterly: 'Q',
+    triannually: 'T',
+    semiannually: 'S',
+    annually: 'Y'
+  }.freeze
+
+  ACCOUNT_STATUS = {
+    account_transferred: '05',
+    current: '11',
+    closed: '13',
+    paid_in_full_voluntary_surrender: '61',
+    paid_in_full_collection_account: '62',
+    paid_in_full_repossession: '63',
+    paid_in_full_charge_off: '64',
+    paid_in_full_foreclosure: '65',
+    past_due_30_59: '71',
+    past_due_60_89: '78',
+    past_due_90_119: '80',
+    past_due_120_149: '82',
+    past_due_150_179: '83',
+    past_due_180_plus: '84',
+    govt_insurance_claim_filed: '88',
+    deed_received: '89',
+    collections: '93',
+    foreclosure_completed: '94',
+    voluntary_surrender: '95',
+    merch_repossessed: '96',
+    charge_off: '97',
+    delete_account: 'DA',
+    delete_account_fraud: 'DF'
+  }.freeze
+
+  PAYMENT_HISTORY_PROFILE = {
+    current: '0',
+    past_due_30_59: '1',
+    past_due_60_89: '2',
+    past_due_90_119: '3',
+    past_due_120_149: '4',
+    past_due_150_179: '5',
+    past_due_180_plus: '6',
+    no_history_prior: 'B',
+    no_history_available: 'D',
+    zero_balance: 'E',
+    collection: 'G',
+    foreclosure_completed: 'H',
+    voluntary_surrender: 'J',
+    repossession: 'K',
+    charge_off: 'L'
+  }.freeze
+
+  CONSUMER_TRANSACTION_TYPE = {
+    new_account_or_new_borrower: '1',
+    name_change: '2',
+    address_change: '3',
+    ssn_change: '5',
+    name_and_address_change: '6',
+    name_and_ssn_change: '8',
+    address_and_ssn_change: '9',
+    name_address_and_ssn_change: 'A'
+  }.freeze
+
+  ADDRESS_INDICATOR = {
+    confirmed: 'C',
+    known: 'Y',
+    not_confirmed: 'N',
+    military: 'M',
+    secondary: 'S',
+    business: 'B',
+    non_deliverable: 'U',
+    data_reporters_default: 'D',
+    bill_payer_service: 'P'
+  }.freeze
+
+  RESIDENCE_CODE = {
+    owns: 'O',
+    rents: 'R'
+  }.freeze
+
+  GENERATION_CODE = {
+    junior: 'J',
+    senior: 'S',
+    ii: '2',
+    iii: '3',
+    iv: '4',
+    v: '5',
+    vi: '6',
+    vii: '7',
+    viii: '8',
+    ix: '9'
+  }.freeze
+
   ALPHANUMERIC = /\A([[:alnum:]]|\s)+\z/
   ALPHANUMERIC_PLUS_DASH = /\A([[:alnum:]]|\s|\-)+\z/
   ALPHANUMERIC_PLUS_DOT_DASH_SLASH = /\A([[:alnum:]]|\s|\-|\.|\\|\/)+\z/
@@ -9,6 +132,13 @@ module Metro2
 
   FIXED_LENGTH = 426
 
+  def self.account_status_needs_payment_rating?(account_status)
+    account_status.in?([ACCOUNT_STATUS[:account_transferred], ACCOUNT_STATUS[:closed],
+                        ACCOUNT_STATUS[:paid_in_full_foreclosure], ACCOUNT_STATUS[:govt_insurance_claim_filed],
+                        ACCOUNT_STATUS[:deed_received], ACCOUNT_STATUS[:foreclosure_completed],
+                        ACCOUNT_STATUS[:voluntary_surrender]])
+  end
+
   def self.alphanumeric_to_metro2(val, required_length, permitted_chars)
     # Left justified and blank-filled
     val = val.to_s

data/lib/metro_2/version.rb

@@ -1,5 +1,5 @@
 module Metro2
-  VERSION = "1.0.2"
+  VERSION = "1.1.0"
 
   def self.version_string
     str = VERSION.split('.')

data/spec/records/header_segment_spec.rb

@@ -32,7 +32,7 @@ describe Metro2::Records::HeaderSegment do
         '123 Report Dr Address CA 91111'.ljust(96, ' '),
         '5555555555',
         'Upstart Engineer metro 2 gem'.ljust(40, ' '),
-        '01000',
+        '01100',
         ' ' * 156
       ]
       header_str = @header.to_metro2

metadata

@@ -1,14 +1,14 @@
 --- !ruby/object:Gem::Specification
 name: metro_2
 version: !ruby/object:Gem::Version
-  version: 1.0.2
+  version: 1.1.0
 platform: ruby
 authors:
 - Brian Mascarenhas
 autorequire: 
 bindir: bin
 cert_chain: []
-date: 2014-09-24 00:00:00.000000000 Z
+date: 2014-12-28 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: bundler
@@ -98,7 +98,7 @@ required_rubygems_version: !ruby/object:Gem::Requirement
       version: '0'
 requirements: []
 rubyforge_project: 
-rubygems_version: 2.4.1
+rubygems_version: 2.4.3
 signing_key: 
 specification_version: 4
 summary: Create Metro 2 format files for credit reporting