Back   Mortgagee Notification, Billing, and Payment (004010X054)


The Mortgage Coverage Notification, Billing, and Payment Implementation Guide describes the use of the ANSI ASC X12 Consolidated Service Invoice/Statement (811) Version/Release 004010 transaction set and the Payment Order/Remittance Advice (820) Version/Release 004010 transaction set for the following business usages:
  • Send billing and coverage information from insurance companies to mortgage institutions or their servicing agents
  • Send payment information on premium billing to insurance companies

The 811 includes information that indicates whether the policy premiums are held in escrow (impound) by the mortgage company on a property loan, or whether the policy premium is direct billed (non-impound) to the consumer.

The mortgage company uses the 820 to send payment information to the insurance company on premiums held in escrow. The 820 may be included as addenda records with an ACH (CTX) electronic payment transaction originated by the mortgage company to the insurance company's bank. Another option for the mortgage company is to send the remittance information to the insurance company and settle the funds as a separate transaction.

This implementation of the 811 and 820 conform to the business requirements set forth by the Mortgage Bankers Association (MBA).

Primary Trading Partners

Financial lending institutions, banks, insurance companies, servicing agents, and service bureaus.


Indended for use by the mortgage industry.


This is the first implementation guide for this business purpose.


No coordination required at this time with other ANSI ASC X12 groups.

Additional Information

Registered 10/14/1998 Published 10/1/1998
Transaction Set ID 811/820 Standard Version 004010
ASC X12 DM# Owning Group X12N/TG1/WG1