# 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 (PPC) is required to specify the reason for retrieving any CRA report.

Provide the PPC as the `purpose` parameter when calling the
[Get Report endpoints](https://developer.mastercard.com/open-finance-us/documentation/products/lend/get-reports/index.md).

## PPC Codes {#ppc-codes}

|                   Permissible Purpose                   | Code |                                                                                                                                                                                Description                                                                                                                                                                                 |
|---------------------------------------------------------|------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Account Review                                          | 99   | 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.                               |
| Eligibility for Govt Benefits                           | 8J   | 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).                                                                           |
| Extension of Credit                                     | 31   | 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.** |
| Extension of Credit (Mortgage)                          | 26   | Determining whether to extend credit and the amount, rate, terms, etc. of credit products based on borrower qualifications. Applicable for the following loan types: Mortgage and HELOC (Home Equity Line of Credit). **Not to be used for commercial (OBB) reports.**                                                                                                     |
| Tenant Screening                                        | 1B   | Assessing creditworthiness, ability to pay (income) or other factors in deciding a rental property lease application from a consumer.                                                                                                                                                                                                                                      |
| Payment Acceptance / Authorization                      | 1P   | Determine whether a consumer's payment method may be accepted or authorized.                                                                                                                                                                                                                                                                                               |
| Written Instructions of the Consumer - General          | 1W   | Various use cases; Consumer's specific written consent, obtained by the end user, is required. **Includes commercial (OBB) reports permissioned by consumers.**                                                                                                                                                                                                            |
| Written Instructions of the Consumer - Prequalification | 3F   | Determine eligibility for offers; Consumer's specific written consent is required.                                                                                                                                                                                                                                                                                         |

## CRA Reports {#cra-reports}

CRA report types include:

* [Transaction Consumer Reporting Agency](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/tacra/index.md)
* [Statement Aggregation CRA](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/statements/index.md)
* [Verification of Assets](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voa/index.md)
* [Verification of Assets and Income](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voai/index.md)
* [Asset Prequalification](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/prequal/index.md)
* [Verification of Employment - Transactions](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voe-transactions/index.md)
* [Verification of Employment - Payroll](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voe-payroll/index.md)
* [Verification of Income and Employment - Paystub (with TXVerify)](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voie-paystub/index.md)
* [Verification of Income](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voi/index.md)
* [Cash Flow Analytics (CRA version)](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/cash-flow-analytics/index.md)
* [Balance Analytics (CRA versions)](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/balance-analytics/index.md)
* [Payment Risk Insights (CRA versions)](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/payment-risk-insights/index.md)

## See Also {#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)