2022 payment standards

maio 1, 2023 0 comentários

<< /Type /Page << /K [929 0 R 909 0 R] >> << /StructParents 96 << endobj /Pg 39 0 R /P 3 0 R << << /Type /StructElem Our issuing processing is precisely tailored to cardholders needs. /Pg 41 0 R /S /Header 291 0 obj endobj /S /H3 /P 3 0 R endobj /Pg 34 0 R /Parent 2 0 R /Workbook /Document 506 0 obj /K [1535 0 R 1536 0 R 1537 0 R 1538 0 R 1539 0 R 1540 0 R 1541 0 R 1542 0 R] /K [1324 0 R] /S /P /S /Header 150 0 obj >> << /K [7] /Type /StructElem Effective January 1, 2022, the rate for the contribution related to labour standards is 0.06%. >> << 371 0 obj /K [1428 0 R] /S /Transparency /XObject << endobj /S /Footer endobj /K [1261 0 R 1262 0 R] >> >> /K [13] >> /GS9 519 0 R endobj 191 0 obj /S /H2 /Type /Group /K [7] /Contents 666 0 R /Resources << /Pg 41 0 R MARKET RESEARCH endobj endobj /Last 514 0 R /S /H3 /F7 613 0 R /K [798 0 R 799 0 R] /Alt () endobj /F2 521 0 R /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] >> << /F10 616 0 R << /K [16] /Type /StructElem /Pg 23 0 R /P 3 0 R /P 3 0 R /Pg 16 0 R /GS9 519 0 R /K [0] /P 3 0 R At the same time, the use of a future oriented standard based on widely accepted and accessible technology can remove barriers to entry and create a healthy competitive environment. 194 0 obj /F4 523 0 R /Pg 40 0 R /Type /StructElem /Parent 2 0 R >> /Pg 19 0 R >> /Resources << << /K [877 0 R 795 0 R] /Pg 33 0 R endobj << 6 0 obj /Meta15 517 0 R /Parent 2 0 R 49 0 obj endobj /F7 613 0 R /DestOutputProfile 515 0 R >> The Canadian economy depends on the exchange of billions of dollars each day. /Resources << /CS /DeviceRGB endobj /Type /StructElem /Type /Page /P 3 0 R /F1 520 0 R 496 0 obj /Pg 22 0 R endobj /Pg 17 0 R /K [1495 0 R 1496 0 R 1497 0 R 1498 0 R 1499 0 R 1500 0 R] >> 431 0 obj The Swiss Payment Standards support the most common business cases in payment transactions for the customer-bank interface. << endobj /P 3 0 R /P 3 0 R >> << /S /H1 /Font << /Type /StructElem 93 [301 0 R 1148 0 R 1149 0 R 1150 0 R 1151 0 R 1152 0 R 1153 0 R 1154 0 R 304 0 R 305 0 R /S /P /P 3 0 R /K [1510 0 R 1511 0 R 1512 0 R 1513 0 R 1514 0 R 1515 0 R 1516 0 R 1517 0 R] /ExtGState << /Pg 42 0 R /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] << Instead, in accordance with the employers accepted or agreed-on practice, it is earned and paid at a later date. 10 855 0 R 11 856 0 R 12 857 0 R 13 858 0 R 14 859 0 R /Type /StructElem /Pg 34 0 R /S /Footer endobj /Pg 17 0 R /Type /StructElem 265 0 obj /P 3 0 R << >> ] Learn how financial institutions are able to benefit from the rapid expansion in Application Programming Interfaces (APIs) to support intra-day liquidity management, track and trace payments in real-time and streamline cross-border currency transactions. >> endobj Leverages cutting-edge technologies and innovative tools to bring clients industry-leading analysis and investment advice. /P 3 0 R endobj /P 3 0 R /S /Header 317 0 obj /F1 520 0 R /S /TOCI /P 3 0 R 331 0 obj <>stream /F1 520 0 R /P 3 0 R /Type /StructElem /P 3 0 R endobj hb``b`` $0F fah@bFM5&e,6qi''3b7dff`(Q v Each year, HUD updates the FMRs to, among other things, set a reasonable payment standard for public housing agency (PHA) payments to housing providers participating in the Section 8 Housing Choice Voucher (HCV) program. /Pg 35 0 R endobj /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] 103 0 obj 495 0 obj endobj /Meta15 517 0 R /S /P /XObject << << 60 0 obj >> endobj endobj /S /Figure /Group << /P 3 0 R /XObject << /P 3 0 R 197 0 obj /S /H2 J.P.Morgan, JPMorgan, JPMorgan Chase and Chase are marketing names for certain businesses of JPMorgan Chase & Co. and its subsidiaries worldwide (collectively, JPMC). /Annots [641 0 R] << >> >> 358 0 obj << /Type /StructElem The digitization of payments can 2022 PAYMENTS CANADA. >> << 186 0 obj >> /MediaBox [0 0 595.32 842.04] /Type /StructElem << endobj >> /Type /StructElem >> /S /Table /Metadata 6 0 R /S /P /K [752 0 R 753 0 R] /P 3 0 R 351 0 obj /Pg 28 0 R endobj /Pg 33 0 R /S /TOCI >> /Pg 12 0 R << /S /Header /P 3 0 R /Pg 28 0 R /Type /StructElem >> In 2022, Payments Canada systems cleared and settled $119 trillion or $476 billion every business day. endobj /S /Header >> /P 3 0 R /Type /StructElem 136 0 obj /K [15] /P 3 0 R /S /Footer /P 3 0 R We also lead volunteer service activities for employees in local communities by utilizing our many resources, including those that stem from access to capital, economies of scale, global reach and expertise. /A 1529 0 R /K [1] /Type /StructElem >> /Parent 2 0 R 161 0 obj 218 0 R 219 0 R 220 0 R] /F2 521 0 R endobj /Type /StructElem >> /Resources << They cover the business areas of cash management reporting and payment instruction placement. >> Why is Payments Canada implementing ISO 20022 in Canada? /S /TOCI <> /Pg 42 0 R /Pg 18 0 R /S /Figure /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] 2022 Payment Standards Click here for 2022 Payment Standards. >> Will you utilize the SWIFT translation service or deal with data in your own shop? endobj /K [1444 0 R] endobj 54 0 obj << << /StructParents 1 << /S /Transparency /P 3 0 R /K [1577 0 R 1578 0 R 1579 0 R] /K [11] /S /Table 434 0 obj 65 0 R 66 0 R 67 0 R 68 0 R 69 0 R 70 0 R 71 0 R 72 0 R 73 0 R 74 0 R << endobj endobj 362 0 obj /P 3 0 R 184 0 obj 1126 0 R 1127 0 R 1128 0 R 1129 0 R 1130 0 R 1131 0 R 276 0 R 277 0 R 278 0 R 279 0 R /Type /StructElem /S /Footer /S /Footer << /S /Header << << /Type /StructElem /Dest [41 0 R /XYZ 61 728 0] /P 3 0 R /P 3 0 R /S /TOCI /Contents 637 0 R Why is enhanced remittance data so important? /P 3 0 R 2023 Fair Market Rents. 893 0 R 894 0 R 895 0 R 896 0 R 897 0 R 898 0 R 899 0 R 900 0 R 901 0 R 902 0 R /S /Footnote /Type /StructElem /Type /StructElem endobj << << /Type /Group endobj /P 3 0 R /Type /StructElem << Enhanced remittance data will support automated reconciliation and straight-through processing. /S /P /P 3 0 R >> endobj /F13 623 0 R /A 1490 0 R /K [12] endobj /Type /StructElem Our payment guides explain payment processes, answer frequently asked questions and educate you on your rights and responsibilities. The updated FY 2022 FMRs are based on surveys conducted by the area public housing agencies (PHAs) and reflect the estimated 40th percentile rent levels trended to Fiscal Year 2022. /S /Transparency /Alt () /S /Figure /F4 523 0 R << 37 0 obj >> An overview of the currently valid versions and from February the versions for the next release is presented below. /Pg 21 0 R endobj /P 3 0 R /P 3 0 R Utility allowances can be small or large, ranging from less than $10 to over $200 for a resident household per month, depending on the number of utilities and uses covered, and the dwelling unit and/or household size. <> /Font << << <> /Resources << /MediaBox [0 0 595.32 842.04] << `]`ZJ D XD 2lWH $^``bd`4 /Type /Page /K [866 0 R 765 0 R] The Senior Operational Committee is also consulted on strategic issues related to ISO 20022. /Type /StructElem /GS9 519 0 R /S /P /ID (Note 1) /A 1558 0 R /K [1378 0 R] >> << >> /P 3 0 R endobj /Pg 38 0 R /K [926 0 R 901 0 R] /S /P /Pg 29 0 R >> 1166 0 R 1166 0 R 1167 0 R 1167 0 R 1168 0 R 1169 0 R 1170 0 R 1171 0 R 1172 0 R 1173 0 R /P 3 0 R /S /H3 << endobj /Pg 16 0 R 1055 0 R 238 0 R] >> >> /Count 34 /S /H3 The chart below shows the Payment Standard for Sacramento County zip codes and the bedroom sizes listed. endobj /P 3 0 R endobj /F5 525 0 R >> endobj /GS6 518 0 R /Parent 2 0 R /F1 520 0 R /P 3 0 R /P 3 0 R 131 0 obj 25 0 obj 913 0 R 914 0 R 915 0 R 916 0 R 917 0 R 918 0 R 919 0 R 109 0 R] /Pg 16 0 R /P 3 0 R << /S /P 109 0 obj /P 3 0 R /S /TOCI endobj /F5 525 0 R /Pg 24 0 R << /K [20] << endobj /Meta15 517 0 R 249 0 obj >> /S /P /Type /StructElem 204 0 obj 90 0 obj << 21 0 obj >> >> /P 3 0 R endobj /P 3 0 R /K [1414 0 R] The XML message "Customer Payment Status Report" (pain.002) is used by the financial institution to inform customers about the status of "pain.001" transfer orders or "pain.008" collection orders that have been sent. /F4 523 0 R /P 3 0 R /P 3 0 R /S /P /Pg 22 0 R >> << /K [29] >> *Additional exception payment standard zip codes and census tracts maybe applicable to units leased to families participating the in the Opportunity Housing Program or the Project-Based Voucher Program based on MTW Initiatives and Community Based Rental Assistance (CBRA) Policy. /MediaBox [0 0 595.32 842.04] 5 0 obj 180 0 obj /S /H2 >> << >> /K [40] /Type /StructElem /Pg 42 0 R endobj /Pg 30 0 R << /Image243 684 0 R << /Parent 2 0 R endobj )-d#obmwG8 /S /L endobj << /Parent 2 0 R >> << >> /Pg 30 0 R endobj /K [12] /Type /StructElem /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /Subject (Swiss Business Rules for Payments and Cash Management for Customer-Bank Messages) >> /S /P They are listed by County and ZIP code for counties in which Fair Market Rent (FMR) standards are utilized. >> ISO 20022 is a globally accepted standard for creating messages for the financial services industry. /S /P /S /Footer /K [1332 0 R] >> The Lynx ISO 20022 portfolio currently contains the Business Application Header (head.001) as well as the FI to FI Customer Credit Transfer (pacs.008) and the Financial Institution Credit Transfer (pacs.009). /Type /StructElem /F1 520 0 R /MediaBox [0 0 595.32 842.04] % >> << << /Type /StructElem >> /Type /Group 50 0 R 738 0 R 739 0 R 740 0 R 741 0 R 742 0 R 743 0 R 744 0 R 745 0 R 746 0 R /Type /Group /F7 613 0 R 982.4 defines Payment Standard as the maximum monthly assistance payment for a family assisted in the voucher program (before deducting the total tenant payment by the family). /Type /StructElem >> /Pg 40 0 R >> 470 0 obj << /F2 521 0 R /P 3 0 R <> /K [859 0 R 743 0 R 744 0 R 745 0 R] endobj 307 0 obj /Type /Page 452 0 obj /Type /StructElem /P 3 0 R /P 3 0 R The payment standard is a part of the calculation worksheet that every voucher holder family is provided. >> /P 3 0 R /Type /Page /Type /StructElem << /Annots [662 0 R] An employer has to pay all the wages earned in each pay period, other than vacation pay that is accruing, no later than the employees regular pay day for the period. /P 3 0 R << /XObject <> /K [5] >> /Footnote /Note /K [1459 0 R] Through a mix of mandatory and optional data elements to be included in the payment messages. 52 0 obj /StructParents 102 /K [12] /Pg 25 0 R << endobj The Swiss financial institutions guarantee the following interface compatibility: that they will support the latest "Major" version of the Implementation Guidelines published by SIX Interbank Clearing plus the preceding version. Nobody other than the employee can have access to the account unless the employee has authorized it. /S /TOCI /Pg 31 0 R Tell us what you think about the information on this page and how youre using it. /Pg 35 0 R /Pg 17 0 R << If the wages are paid by direct deposit, the employees account must be their name. /Type /Group >> /Type /StructElem /Pg 12 0 R /Pg 12 0 R The Payment Standards are established by using the U.S. Department of Housing and Urban Development Fair Market Rents. /Type /StructElem /S /Footer /P 3 0 R >> /K [1330 0 R 1331 0 R] >> /F2 521 0 R Supplement for single adults. /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] 70 0 obj In a fast-moving and increasingly complex global economy, our success depends on how faithfully we adhere to our core principles: delivering exceptional client service; acting with integrity and responsibility; and supporting the growth of our employees. << /Pg 16 0 R /Type /StructElem /P 3 0 R /K [19] Its a unique opportunity to capture rich data benefits and embrace data-driven innovation. endobj What other factors are influencing adoption of ISO 20022? >> /P 3 0 R >> /F2 521 0 R >> /Pg 17 0 R /Type /Page >> /GS9 519 0 R << /K [9] /P 3 0 R 292 0 obj endobj /Group <> /K [1374 0 R] << >> endobj /F4 523 0 R >> /S /H3 >> /Type /StructElem /Pg 25 0 R JPMC contact persons may be employees or officers of any of the foregoing entities and the terms J.P. << >> The payday for a specific pay period is 2 weeks after the end . /Pg 27 0 R >> /F2 521 0 R /Sensitivity (C1 Public) >> /Meta194 644 0 R << >> /CS /DeviceRGB >> /S /Table << >> >> /K [1065 0 R 1066 0 R] << endobj /Type /StructElem /P 3 0 R Expiry of time period for feedback on plannedamendments. /K [1221 0 R 1225 0 R 1223 0 R] >> /S /P /Pg 20 0 R endobj << /K [1385 0 R 1386 0 R 1387 0 R] /Type /StructElem endobj /XObject << /F1 520 0 R 328 0 obj << endobj 285 0 obj endobj /ExtGState << /Type /StructElem 58 0 obj /P 3 0 R /Parent 2 0 R /P 3 0 R /P 3 0 R /P 3 0 R 475 0 obj /S /H3 93 0 obj However, the significance of the shift will unfold over the next few years. /Pg 24 0 R /P 3 0 R /K [983 0 R 984 0 R] /Type /StructElem /Pg 29 0 R <> << 587 0 R 588 0 R 589 0 R 590 0 R 591 0 R 592 0 R 593 0 R 594 0 R] << 146 0 obj /GS6 518 0 R /S /Header 508 0 obj 238 0 obj /Type /StructElem /MSIP_Label_61354688-28ff-43f9-ae7a-258f2522a8ce_ActionId (5b34a4d0-4958-4d48-97ca-30eb9fac83aa) >> /K [6] >> /Type /StructElem 86 0 obj 70 [983 0 R 984 0 R 985 0 R 986 0 R 193 0 R 194 0 R 987 0 R 988 0 R 989 0 R 990 0 R /P 3 0 R /K [31] endobj /S /P /S /H4 /Parent 2 0 R << /K [6] /K [1415 0 R 1416 0 R 1417 0 R] /Type /StructElem << /Pg 12 0 R 552 0 R 553 0 R 554 0 R 555 0 R 556 0 R 557 0 R 558 0 R 559 0 R 560 0 R 561 0 R /Type /StructElem endobj /Pg 20 0 R 175 0 obj >> /S /P /K [1390 0 R 1391 0 R 1392 0 R] << /Pg 26 0 R /Type /Page /K [6] >> /Chartsheet /Part /S /P /P 3 0 R /K [1501 0 R] /S /P endobj /Type /StructElem /P 3 0 R endobj << /S /Footer /Pg 32 0 R /P 3 0 R /P 3 0 R << /K [1380 0 R 1381 0 R 1382 0 R] /P 3 0 R /Resources <> /Type /StructElem /Meta221 667 0 R /Pg 42 0 R /S /Transparency /Type /StructElem endobj hbbd```b``"'I"Y)`L.,`v;Do ~`4Adm?O@q0,Hwkc`bd` x'@ @ /P 3 0 R endobj /Pg 12 0 R /Type /StructElem As major currencies adopt ISO 20022 formatting, SWIFT estimates that 80% of global, high-value payments by volume will be processed through ISO 20022. /P 3 0 R /P 3 0 R endobj 400 0 obj /P 3 0 R /P 3 0 R endobj << /S /P The Swiss financial center is introducing beneficial standards, and also taking the opportunity to harmonize payments. 425 0 obj /Pg 42 0 R Corporate creditor identification number database. << endobj /K [8] >> >> /Pg 16 0 R /F5 525 0 R /K [1326 0 R 1327 0 R] /S /Header /GS9 519 0 R << /S /P /S /P 231 0 obj /Annots [647 0 R 648 0 R] endobj /S /P /S /Figure /S /H2 /Contents 530 0 R /Parent 2 0 R /Type /StructElem /Type /Group /K [7] endobj /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /Pg 31 0 R endobj /S /Footer /S /P /Type /StructElem /K [11] /K [1443 0 R] 162 0 obj >> 420 0 obj /F1 520 0 R /Pg 40 0 R endobj Payments Canadas 2022 annual report now available, Payments Canada announces Jude Pinto as Chief Delivery Officer. /P 3 0 R The payment standard for a family is the lower of: Payment standard for the family unit size indicated on the voucher; or /S /P Detailed description of the changes implemented to the XML Schema and the pain.002 message, migrating from the previous version (SPS 2021) to SPS 2022 using the ISO 20022 Schema 2019. >> << /Type /StructElem << Learn how J.P. Morgan and SWIFT are managing the ISO migration. /S /Footer << >> version 2 for the LSV+/BDD schemes. /F9 615 0 R /S /TOCI endobj /Type /Page endobj >> /Type /StructElem the first pay day after the stub period or vacation entitlement year ends, whichever is later. /S /TOCI Efficiencies in managing/supporting multiple payments standards: ISO 20022 allows the financial services industry in Canada to consolidate the current. endobj /F5 525 0 R 382 0 obj >> /P 3 0 R 132 0 obj /K [17] /ExtGState << /Pg 12 0 R /K [1413 0 R] /Producer () /Type /StructElem << >> >> /K [0] /S /P /Type /StructElem >> /Type /StructElem /Type /StructElem /F2 521 0 R << /K [3] endobj If an employees employment ends, the employer must pay their outstanding wages, including vacation pay (plus any payments due to the employee because the employment has ended see Termination of employment and Severance pay) no later than: On or before an employees pay day, the employer must provide the employee with a wage statement that sets out: The employee must be able to keep this information separate from their cheque. /Pg 42 0 R hbbd```b``3@$fIi`0"9l)`"Y4/6G /K [54] >> >> /P 3 0 R /P 3 0 R /S /TOCI 114 0 obj /InlineShape /Sect /Type /StructElem /Pg 12 0 R 246 0 obj Complete package, incl. /F9 615 0 R The application of different standards results in inefficiencies in the marketplace and an inconsistent user experience. All services are subject to applicable laws, regulations, and applicable approvals and notifications. /GS6 518 0 R /K [1455 0 R 1456 0 R 1457 0 R] /Type /StructElem Some employees earn commissions or "bonuses" based on sales made in a pay period. /ExtGState << >> >> /Pg 27 0 R /S /P /Font << /S /P /F8 614 0 R /Type /StructElem /F2 521 0 R endobj /GS9 519 0 R 107 0 obj /S /P /S /Transparency /P 3 0 R >> 377 0 obj 55 0 obj /K [11] /S /P /S /P /S /H3 301 0 obj /S /P /Contents 693 0 R /Pg 24 0 R >> << >> << /S /P << /P 3 0 R /Type /StructElem However, the significance of the shift will unfold over the next few years. specify the amount of money to be deducted; provide a method of calculating the specific amount of money to be deducted. /ViewerPreferences 7 0 R /ExtGState << /Type /StructElem endobj endobj These messages may convey various types of transactions, for example a payment instruction, or information such as an account statement between the parties involved. /Type /Group endobj endobj endobj We seek their approval of any changes to Payments Canada rules and standards that we recommend as a result of changes in ISO 20022 usage. << /S /P /P 3 0 R /ExtGState << << endobj /S /H2 241 0 obj /Type /Group /P 3 0 R /K [1555 0 R] << endobj 757 0 R 758 0 R 759 0 R 760 0 R 761 0 R 762 0 R 763 0 R 764 0 R 765 0 R 766 0 R 176 0 obj Which ISO 20022 messages have been defined within Payments Canadas portfolio? /CS /DeviceRGB /Pg 41 0 R /Outlines 4 0 R /Endnote /Note /S /P /Pg 18 0 R 957 0 obj <>/Filter/FlateDecode/ID[<46413959957C714086BA3FF4B0F0B0DE>]/Index[925 52]/Info 924 0 R/Length 142/Prev 261460/Root 926 0 R/Size 977/Type/XRef/W[1 3 1]>>stream 310 0 obj 232 0 obj endobj endobj /StructParents 76 /Resources << /Type /StructElem /Type /StructElem /S /P >> /Pg 28 0 R /K [5] /K [1405 0 R 1406 0 R 1407 0 R] /Pg 40 0 R >> /Resources << /K [1458 0 R] /F4 523 0 R endobj /K [1000 0 R 1001 0 R] endobj /K [1250 0 R 1251 0 R] << /Pg 17 0 R /Type /StructElem >> /Type /StructElem >> 501 0 R 502 0 R 1308 0 R 1309 0 R 505 0 R 506 0 R 507 0 R 509 0 R 510 0 R 511 0 R /Type /StructElem /S /H1 /GS9 519 0 R /Type /StructElem >> /Font << >> /S /H3 /S /P >> >> << /Type /StructElem /P 3 0 R Below are the Payment Standards effective January 1, 2023 for new rentals, transfers and annual recertifications: Bedroom size Payment Standard 0 ($)$2,335 1 $2,387 2 $2,696 3 $3,385 4 $3,647 5 $4,194 6 $4,741 7 $5,288 8 $5,835 Page 1 of 1. endobj /Meta15 517 0 R endobj /S /P /S /H3 << /K [1429 0 R] 50 931 0 R 51 932 0 R 52 933 0 R 53 [110 0 R 934 0 R 935 0 R 936 0 R 937 0 R 938 0 R 939 0 R 940 0 R 941 0 R 942 0 R /Annots [674 0 R 675 0 R 676 0 R] /K [880 0 R 803 0 R] /Pg 37 0 R /Pg 18 0 R /Type /StructElem /F4 523 0 R 407 0 obj << The ISO 20022 message specifications for Lynx are also published on SWIFTs MyStandards web platform. /S /Table July 2022 - June 2023. Credit for each qualified child under 19. >> << /Resources << /Type /StructElem << 1310 0 R 828 0 R 829 0 R 830 0 R 1311 0 R 1312 0 R 838 0 R 841 0 R 842 0 R 843 0 R /Pg 20 0 R 343 0 obj 261 0 obj 485 0 R 486 0 R 487 0 R 488 0 R 490 0 R 491 0 R 489 0 R] 315 0 R 316 0 R 317 0 R 318 0 R 319 0 R 320 0 R 321 0 R 322 0 R 323 0 R 324 0 R /Pg 21 0 R /Type /StructElem /Type /StructElem /K [0] /K [5] However, the significance of the shift will unfold over the next few years. /Type /Page >> 297 0 obj /A 1526 0 R endobj /K [16] /Pg 29 0 R 165 0 obj >> endobj /Type /StructElem In February, 2016, Payments Canada completed the multi-year development of new ISO 20022 payments messages for AFT, related rules and standards, and an adoption strategy for its participant financial institutions. /K [1369 0 R] >> >> GST/HST Payment Dates for 2023. /F4 523 0 R >> endobj << /Type /StructElem /Type /StructElem >> 25 870 0 R 26 871 0 R 27 872 0 R 28 873 0 R 29 874 0 R >> /K [1011 0 R 1012 0 R] /P 3 0 R << 562 0 R 563 0 R 564 0 R 565 0 R 566 0 R 567 0 R 568 0 R 569 0 R 570 0 R 571 0 R /Contents 687 0 R endobj /Type /Group /Font << << /Type /StructElem /S /P endobj /Type /StructElem : opens new window to JPMorgan Chase & Co. Technology Media & Communications Conference, https://www.swift.com/standards/iso-20022-programme, ISO 20022 is a standard for exchanging electronic messages, Uses XML syntax and offers structured, rich data, This format is already used by many real-time, low-value, and high-value clearing systems around the world, Offers richer references and improved remittance information, Requires planning ahead: multi-year project for FIs to implement value-added services to enhance experience, Increased Efficiency: Richer data means better information about the payment for application & reconciliation, Enhanced Client Process: More information about the payment enables better data integration to improve automation, Automation: Structured data enables better sanctions screening and AML monitoring, Service Innovation: ISO 20022 will standardize data exchanges beyond payments, unlocking new opportunities in transaction banking, Frictionless Cross Border Payments: Harmonized data structure, combined with gpi transparency, eliminates many causes of delay 6 Power of Data: Standardization across various payment systems provides the opportunity to harness the power of data. /P 3 0 R /K [19] /K [1583 0 R 1584 0 R 1585 0 R] We are responsible for Canada's payment clearing and settlement infrastructure, including associated systems, by-laws, rules, and standards. /P 3 0 R /Pg 12 0 R /K [896 0 R 897 0 R] << endobj /S /P /Type /StructElem /Type /StructElem 437 0 obj >> /Pg 33 0 R endobj 406 0 obj /S /TOCI << << /K [9] These specify how the messages are to be submitted to and received from the RTGS systems SIC and euroSIC using the ISO 20022 message standard. << /F4 523 0 R /S /P These are the messages that are currently scheduled for implementation in Lynx Phase 2 (exact timing still to be agreed). /P 3 0 R << /Resources << /S /P By adopting ISO 20022, Canadian paymentsystems users will benefit from: Remittance information is supplied to enable the matching/reconciliation of a payments entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system. 240 0 obj /S /Header /Type /StructElem << /K [18] /Dest [10 0 R /XYZ 61 728 0] /P 3 0 R /K [30] 485 0 R 486 0 R 487 0 R 488 0 R 489 0 R 490 0 R 491 0 R 492 0 R 493 0 R 494 0 R /Type /StructElem 182 0 obj /Type /Page 395 0 R 396 0 R 397 0 R 398 0 R 399 0 R 400 0 R 401 0 R 402 0 R 403 0 R 404 0 R endobj >> /Group << /DisplayDocTitle true 502 0 obj /Pg 41 0 R /Type /StructElem /P 3 0 R /P 3 0 R >> /StructParents 107 /P 3 0 R 270 0 obj /Type /Page /Pg 40 0 R /K [1] endobj /K [1572 0 R 1573 0 R 1574 0 R 1575 0 R] /Type /StructElem /Type /StructElem endobj /S /P /Pg 33 0 R 414 0 obj /F2 521 0 R /K [1603 0 R] /P 3 0 R /S /P >> /S /Table /A 1571 0 R endobj /Meta15 517 0 R /Type /Group /StructParents 116 5 [841 0 R 842 0 R 843 0 R 844 0 R 845 0 R 846 0 R 847 0 R 848 0 R 849 0 R 850 0 R] << << /F13 623 0 R /F2 521 0 R >> << >> >> /F4 523 0 R /F7 613 0 R /StructParents 109 /F10 616 0 R /Type /StructElem 303 0 obj >> section 8 payment standards 2022 massachusetts switching from zoloft to st john's wort. /P 3 0 R Stephen Lindsay, SWIFT Head of Standards, mentioned resources that will be made available including a transaction management platform SWIFT is building as part of its new strategy to enable additional functionality. /P 3 0 R << /F1 520 0 R The rate of pay for the secondary students has been adjusted to the current highest provincial/territorial minimum wage, found in Nunavut ($16.00). /Pg 41 0 R /Type /Page The federal government recently announced that GST credit amounts will be doubled for a 6 month period this year. >> >> /Pg 13 0 R >> /K [1333 0 R] << /XObject << 30 0 obj 189 0 obj /Pg 16 0 R << /F9 615 0 R /K [1440 0 R 1441 0 R 1442 0 R] /K [1316 0 R 1317 0 R] << /GS6 518 0 R /Pg 15 0 R /Type /StructElem Payments Canada is pleased to publish its annual report, Facilitating data-rich payments. /Pg 34 0 R /Type /StructElem /Type /StructElem 30 875 0 R 31 876 0 R 32 877 0 R 33 878 0 R 34 879 0 R These documents serve as instructions for the technical implementation of the ISO 20022 message Customer Direct Debit Initiation (pain.008) for SEPA direct debits. endobj /Type /StructElem /Type /StructElem >> /F8 614 0 R /Group << endobj /Type /Group >> /P 3 0 R << <> << /P 3 0 R /XObject << 195 0 R 196 0 R 197 0 R 198 0 R 199 0 R 200 0 R 201 0 R 202 0 R 203 0 R 204 0 R 287 0 obj /Type /StructElem /S /Table

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2022 payment standards