Credit Line Account Summary

This data model captures the essential summary information from credit line account statements, like those for credit cards or Home Equity Lines of Credit (HELOCs). It extracts key details such as the lending institution, account holder names, statement period dates, balances at the start and end of the period, credit limit, available credit, interest rates, and payment information (due date, amount due, minimum payment). This allows for a quick overview of the account's status during the specified statement cycle.

Field name	Type	Description
financial_institution_name	string	Name of the lender or financial institution issuing the credit line.
statement_period_start_date	string	Start date of the billing cycle covered by the statement (YYYY-MM-DD).
statement_period_end_date	string	End date of the billing cycle covered by the statement (YYYY-MM-DD).
account_currency	string	3-digit ISO currency code for the account (e.g., USD, CAD).
ownership_type	string	How the account is owned (e.g., individual, joint). Enum: individual, joint_wros, joint_tic, trust, custodial_utma, custodial_ugma, fiduciary_guardian
holders	array	List of individuals associated with the account.
holder_name	string	Name of an account holder.
holder_type	string	Role of the account holder (e.g., Primary, Secondary, Authorized User).
starting_balance_period	number	Outstanding balance at the beginning of the statement period.
ending_balance_period	number	Outstanding balance at the end of the statement period.
account_type	string	Type of credit line account. Enum: credit_card, heloc, other_credit_line
original_loan_amount	number	The initial approved amount or credit line established for the account.
credit_limit	number	The maximum amount of credit approved for the account.
available_credit	number	The portion of the credit limit that is currently unused and available.
interest_rate	number	The primary Annual Percentage Rate (APR) applied to the balance.
interest_accrued_period	number	Total amount of interest charged during the statement period.
fees_charged_period	number	Total amount of fees charged during the statement period.
payment_due_date	string	Date the next payment must be received by (YYYY-MM-DD).
payment_due_amount	number	Total amount due for the next payment (often the statement balance).
min_payment_due_amount	number	The minimum payment required by the payment due date.
last_payment_amount	number	The amount of the most recent payment received.
collateral_description	string	Description of any collateral securing the credit line (e.g., property address for a HELOC).

Field Notes

Dates: All date fields (statement_period_start_date, statement_period_end_date, payment_due_date) should be in YYYY-MM-DD format.
account_currency: Defaults to "USD" if not explicitly found in the document.
interest_rate: Represents the primary Annual Percentage Rate (APR) as a numerical value (e.g., 21.5 for 21.5%).
holders: Captures all listed account holders. holder_type may be null if not specified.
ownership_type: Extracted value should match one of the defined enum options; otherwise, it will be null.
account_type: Extracted value should match one of the defined enum options (credit_card, heloc, other_credit_line).
Calculations: Values are extracted directly as they appear; no calculations are performed.
Precision: Numerical values are extracted with a maximum precision of two decimal places.