# Permissible Purpose Codes
source: https://developer.mastercard.com/open-finance-us/documentation/products/lend/permissible-purpose-codes/index.md

As part of the FCRA regulations, a 2-digit permissible purpose code is required to specify the reason for retrieving a consumer's credit decisioning report.

Pass one of the following codes as the value for the purpose parameter in the get report API call.

|                   Permissible Purpose                   |                                                                                                                                                                                Description                                                                                                                                                                                 | Code |
|---------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------|
| Account Review                                          | Review account performance for consumer and small business credit accounts. The following review types include but are not limited to: Evaluate whether an account should remain open or be closed; Evaluate whether account credit limits should be increased or reduced; Decide whether to impose other account conditions or limitations.                               | 99   |
| Eligibility for Govt Benefits                           | Determining eligibility for government licenses or benefits (e.g., financial advisor/securities dealer, low-income assistance) where the entity is permitted or required by law to consider an applicant's financial responsibility or status (e.g., confirming a representation of low income).                                                                           | 8J   |
| Extension of Credit                                     | Determining whether to extend credit and the amount, rate, terms, etc. of credit products based on borrower qualifications. Applicable for any loan type: Mortgage, Auto, HELOC (Home Equity Line of Credit), Installment, BNPL (Buy Now Pay Later), Credit Card, Merchant charge-back rates, Merchant credit lines, etc. **Not to be used for Commercial (OBB) reports.** | 31   |
| Tenant Screening                                        | Assessing creditworthiness, ability to pay (income) or other factors in deciding a rental property lease application from a consumer.                                                                                                                                                                                                                                      | 1B   |
| Payment Acceptance / Authorization                      | Determine whether a consumer's payment method may be accepted or authorized.                                                                                                                                                                                                                                                                                               | 1P   |
| Written Instructions of the Consumer - General          | Various use cases; Consumer's specific written consent, obtained by the end user, is required. **Includes commercial (OBB) reports permissioned by consumers.**                                                                                                                                                                                                            | 1W   |
| Written Instructions of the Consumer - Prequalification | Determine eligibility for offers; Consumer's specific written consent is required.                                                                                                                                                                                                                                                                                         | 3F   |

See also:

* [Lend Reports](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/index.md)
* [Mortgage Implementation](https://developer.mastercard.com/open-finance-us/documentation/products/lend/mortgage-implementation/index.md)