2022 payment standards

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/Resources << 34 0 obj /A 1580 0 R endobj /P 3 0 R >> /S /Header endobj << << /Pg 31 0 R /K [1389 0 R] /P 3 0 R /S /P << 451 0 obj /P 3 0 R 61 0 obj /Annots [626 0 R 627 0 R 628 0 R 629 0 R 630 0 R 631 0 R 632 0 R 633 0 R 634 0 R] >> 172 0 obj >> >> /K [3] endobj 21 0 obj << /S /H2 endobj /Type /Page /Font << /K [15] /P 3 0 R Credit if you are married or have a common-law partner. endobj /Pg 26 0 R endobj << << 503 0 obj This document contains instructions for the technical implementation of the "Bank To Customer Account Report" (camt.052), "Bank To Customer Statement" (camt.053) and "Bank To Customer Debit/Credit Notification" (camt.054). /Pg 30 0 R /Pg 42 0 R /P 3 0 R /Font << >> /Type /StructElem << /Group << << 40 921 0 R 41 922 0 R 42 923 0 R 43 924 0 R 44 925 0 R /Type /StructElem /S /P /K [7] /S /P endobj /K [3] >> /Pg 12 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. /S /Header 285 0 obj /P 3 0 R /K [2] /S /P /K [1400 0 R 1401 0 R 1402 0 R] 162 0 obj 184 0 obj /F1 520 0 R /Type /StructElem Subscribe to one or more of our newsletters and events to connect and stay informed. /Type /StructElem /Type /StructElem /ExtGState << 180 0 obj /GS6 518 0 R 96 0 obj >> ISO 20022 will support efficiencies in business processes for business clients. << /Meta15 517 0 R /K [1433 0 R] This document serves as guidance for the technical implementation of the ISO 20022 message "Customer Credit Transfer Initiation" (pain.001). /K [11] /P 3 0 R /K [15] endobj 313 0 obj >> /K [881 0 R 805 0 R] << /Type /StructElem endobj /S /P /P 3 0 R /Pg 31 0 R /Pg 19 0 R /A 1554 0 R /Pg 40 0 R /K [868 0 R 769 0 R] JPMorgan Chase Bank, N.A., organized under the laws of U.S.A. with limited liability. << endobj /P 3 0 R /CS /DeviceRGB /ID (Note 1) /Pg 12 0 R >> >> /P 3 0 R /Group <> >> /P 3 0 R Our financial advisors create solutions addressing strategic investment approaches, professional portfolio management and a broad range of wealth management services. /S /Footer /S /P /F5 525 0 R /P 3 0 R >> /P 3 0 R /Type /Group /Pg 35 0 R endobj << << << >> >> /K [1120 0 R 1119 0 R] >> /P 3 0 R /Contents 649 0 R << >> /Meta215 661 0 R << << endobj /F4 523 0 R Create strong governance with fluid channels of communications across stakeholders to oversee the migration within your business. When implementing large scale technology shifts, communication consistency and cost benchmarking are building blocks of a solid foundation for change. << 359 0 obj /P 3 0 R 474 0 obj >> 365 0 obj /Type /StructElem endobj /Type /StructElem << /Pg 28 0 R 55 0 R 56 0 R 57 0 R 58 0 R 59 0 R 60 0 R 61 0 R 62 0 R 63 0 R 64 0 R /S /P >> /P 3 0 R In addition to the Swiss Interbank Clearing (SIC/euroSIC) regulations, the Swiss Payment Standards (SPS) also take into account the requirements of the European Payment Council for SEPA and for cross-border payments via the SWIFT network. << 410 0 obj /K [2] /K [912 0 R 913 0 R] If the employee has agreed that vacation pay will be paid on each pay cheque as it is earned, the employer does not need to keep records and provide statements about vacation pay as discussed above. 11/1/2022 10:04:57 AM . 27 0 obj /F2 521 0 R /S /Table endobj /Type /Page << << /K [18] The new versions of the Swiss Payment Standards documents ("SPS 2023") for customer-bank message are applicable from 20 November 2023, after the SIC release of 17 November 2023, and include adjustments for the SEPA release of 2023 and various editorial adjustments and clarifications. << 197 0 obj /F4 523 0 R 287 0 obj Single Canadians without children will receive up to an extra $234, and couples with two children will receive up to an extra $467. >> /F7 613 0 R endobj /IDTree 512 0 R >> /P 3 0 R >> 383 0 obj 53 0 obj /Pg 23 0 R /K [1368 0 R] /Marked true /P 3 0 R 31 0 obj /K [5] << >> /P 3 0 R The employer is not allowed to make this deduction if the money is not sent to the court clerk or other official specified in the order. /P 3 0 R /Group << /ExtGState << /Resources << /P 3 0 R 72 0 obj 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. << /S /Link *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. >> 411 0 obj >> endobj /Contents 652 0 R /Type /StructElem >> endobj /Type /StructElem 2022 Payment Standards 05.2022 /P 3 0 R Payments Canada ensures that these financial transactions in Canada are carried out safely and securely. /S /P >> /Type /StructElem Learn more about the emerging global standard for payments and reporting messaging in a rapidly evolving digital world. endobj >> << 311 0 obj /P 3 0 R << >> 145 0 R 146 0 R 147 0 R 148 0 R 149 0 R 150 0 R 151 0 R 152 0 R 153 0 R 154 0 R /Meta15 517 0 R /K [1329 0 R] /Pg 28 0 R 292 0 obj /Contents 646 0 R >> /P 3 0 R /P 3 0 R 461 0 obj /S /P /Meta186 636 0 R /Type /StructElem Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services. /Pg 42 0 R The Payment Standards are established by using the U.S. Department of Housing and Urban Development Fair Market Rents. /Type /Group /Type /Group << >> /K [15] endobj There are special rules about when employees must be paid their vacation pay. /Pg 12 0 R 1035 0 R 1036 0 R 1037 0 R 1038 0 R 1039 0 R 1040 0 R 1041 0 R 1042 0 R 1043 0 R 1044 0 R /S /H4 /Type /StructElem /S /P /K [9] payments, securities, foreign exchange, cards) to communicate using consistent terminology or syntax, which supports interoperability and more remittance information within the payment message. /S /Transparency endobj /P 3 0 R endobj ISO 20022 also allows the financial services industry in Canada to consolidate the current Lynx, AFT and EDI payment standards into a single, global standard. /Pg 16 0 R <> /Type /StructElem /Type /StructElem << >> /K [14] endobj /ViewerPreferences 7 0 R >> 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 /K [928 0 R 905 0 R] >> endobj >> 219 0 obj 145 0 obj 1000 0 R 1001 0 R 201 0 R 202 0 R 203 0 R 1002 0 R 1003 0 R 1004 0 R 1005 0 R 1006 0 R] endobj /P 3 0 R /P 3 0 R /Type /StructElem <> 10 0 obj endobj Payments Canadas Senior Operational Committee provides a more strategic operational lens. /K [16] /S /Footer endobj >> /K [12] /ExtGState << >> J.P. Morgans website and/or mobile terms, privacy and security policies dont apply to the site or app you're about to visit. /Type /StructElem /K [12] >> endobj /K [3] endobj /Type /StructElem /S /P /P 3 0 R 252 0 obj endobj /S /H3 /Type /Page /S /Footnote /S /P >> 147 0 obj /Pg 12 0 R endobj /P 3 0 R /K [13] endobj 0 400 0 obj /S /TOCI This material is not intended to provide, and should not be relied on for, accounting, legal or tax advice or investment recommendations. /Type /StructElem /K [1410 0 R 1411 0 R 1412 0 R] 254 0 obj /K [3] endobj /Meta15 517 0 R /F12 622 0 R /Type /Group 1 0 obj /Pg 28 0 R /Type /StructElem /P 3 0 R /Type /StructElem 36 0 obj >> /Pg 22 0 R /GS6 518 0 R >> >> endobj 199 0 obj /Image247 688 0 R /StructParents 88 For example, this could be when goods or services have been delivered to the customer and full payment has been received. /S /TOCI 747 0 R 748 0 R 749 0 R 750 0 R 751 0 R 752 0 R 753 0 R 754 0 R 755 0 R 756 0 R << Payments Canadas 2022 annual report now available, Payments Canada announces Jude Pinto as Chief Delivery Officer. /P 3 0 R /P 3 0 R 375 0 obj << 7 0 obj /Resources << /K [1145 0 R 1144 0 R] /P 3 0 R /Type /StructElem endobj /Type /StructElem 512 0 obj /P 3 0 R >> /StructParents 2 >> >> /S /TOCI /ExtGState << 482 0 obj /StructParents 110 /Prev 1605 0 R How will the new ISO 20022 payment messaging standards accommodate enhanced remittance data? >> /Pg 17 0 R endobj /Pg 36 0 R /S /H2 endobj endobj >> endobj )-d#obmwG8 /K [798 0 R 799 0 R] >> << /K [1332 0 R] /XObject << /S /H3 /S /P /K [7] >> /K [3] /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] 315 0 obj >> /S /Transparency 1023 0 R 229 0 R 1024 0 R 1025 0 R 1026 0 R 231 0 R 232 0 R 233 0 R 234 0 R] 368 0 obj /F7 613 0 R /S /P /Slide /Part /Chart /Sect /Contents 668 0 R endobj /CS /DeviceRGB << /K [5] >> /Image248 689 0 R /Pg 21 0 R 156 0 obj << /Type /StructElem /Meta15 517 0 R 305 0 obj >> 164 0 obj The definitions on credit transfers (Payment Initiation) cover the entire Swiss payment traffic and enable the submission of payment orders (including SEPA). >> /S /TOCI << /Type /StructElem /S /Figure /K [1355 0 R 1356 0 R 1357 0 R] 490 0 obj The Wages Act limits how much the employer is allowed to deduct at any one time. /S /Figure /F2 521 0 R /Type /StructElem /P 3 0 R The GST/HST payment amount for the July 2022 to June 2023 period is: $467: Single individuals >> /P 3 0 R /Contents 672 0 R View Infographic Version. /Type /StructElem /Type /Group << /Annots [605 0 R 606 0 R 607 0 R 608 0 R 609 0 R 610 0 R 611 0 R] << <> endobj /P 3 0 R endobj /P 3 0 R >> /K [7] /GS9 519 0 R << /S /P endobj >> << /S /Transparency /Pg 42 0 R /MediaBox [0 0 595.32 842.04] >> << >> 24 0 obj /Type /StructElem direct deposit, which includes Interac e-Transfer, into the employee's account at a bank or other financial institution. /Pg 35 0 R /S /Table endobj These amounts are based on the Fair Market Rents (FMRs) published by HUD on the HUD User Website at: https:// www.huduser.gov/portal/datasets/fmr/fmrs/FY2022_code/2022summary.odn 325 0 obj endobj << If the wages are paid by direct deposit, the employees account must be their name. /Font << 52 0 obj endobj /Type /StructElem endobj /P 3 0 R endobj /S /Header /Annots [674 0 R 675 0 R 676 0 R] /S /Header >> /Pg 38 0 R >> <> >> 253 0 obj /Pg 33 0 R endobj 513 0 obj /P 3 0 R /P 3 0 R /Group << /S /P /Type /StructElem /S /P /K [18] /P 3 0 R /Type /StructElem /K [4] In 2022, Payments Canada systems cleared and settled $119 trillion or $476 billion every business day. endobj >> . 296 0 obj /K [875 0 R 789 0 R] 354 0 obj << >> /F7 613 0 R /Type /StructElem >> What is Payments Canadas Strategy for adoption of ISO 20022? /Type /StructElem /K [1365 0 R 1366 0 R 1367 0 R] Payments Canada has also published ISO 20022 message specifications for Lynx, Canadas new high-value payments system, to support financial institution participants in developing their own ISO 20022 enabled internal systems, so they can eventually generate and process customer and financial institution wire payments in Lynx when the system goes live. endobj /GS9 519 0 R /Meta15 517 0 R << /K [896 0 R 897 0 R] endobj /S /P /Type /StructElem << endobj Public Safety Canada (PS) has established services standards for all of its transfer payment programs. << 440 0 obj /S /P 444 0 obj /S /Footer >> /P 3 0 R $161. /S /TOCI /P 3 0 R /Type /StructElem /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] >> /XObject << /K [37] /Footnote /Note /Pg 14 0 R >> /S /TOCI /P 3 0 R >> 925 0 obj <> endobj /F4 523 0 R /Subject (Swiss Business Rules for Payments and Cash Management for Customer-Bank Messages) endobj /Font << /S /Figure /Pg 12 0 R The Swiss Payment Standards (SPS) are summarized in the Business Rules and Implementation Guidelines (IGs). /Image243 684 0 R /K [1] /K [1420 0 R 1421 0 R 1422 0 R] /Contents 621 0 R /P 3 0 R /Pg 25 0 R endobj /Type /StructElem 514 0 obj >> >> 360 0 obj >> >> <> >> /Type /StructElem >> /Pg 32 0 R As announced in early 2018, JPMorgan Chase will deploy $1.75 billion in philanthropic capital around the world by 2023. >> /Pg 18 0 R << ISO 20022 is a globally accepted standard for creating messages for the financial services industry. /P 3 0 R 141 0 obj stream /P 3 0 R /P 3 0 R /S /L /Pg 12 0 R /F7 613 0 R /F5 525 0 R /Pg 33 0 R endobj WAKEFIELD, Mass., 31 March 2022 Today, the PCI Security Standards Council (PCI SSC), a global payment security forum, published version 4.0 of the PCI Data Security Standard (PCI DSS). Reference No Description; . /Type /StructElem >> 126 0 obj /Type /StructElem /S /TOCI /P 3 0 R << >> /Type /Page 20 0 obj /Pg 35 0 R << /P 3 0 R /P 3 0 R /Pg 12 0 R /P 3 0 R /P 3 0 R << 290 0 obj 307 0 obj endobj /Pg 21 0 R endobj endobj /F1 520 0 R /Contents 637 0 R endobj endobj /StructParents 1 endobj /S /P /P 3 0 R /Type /StructElem /Type /StructElem << However, the significance of the shift will unfold over the next few years. endobj /K [8] /F10 616 0 R /Pg 20 0 R /Type /StructElem /StructParents 70 270 0 obj endobj For general inquiries regarding JPMorgan Chase & Co. or other lines of business, please call +1 212 270 6000. >> /Sensitivity (C1 Public) /F1 520 0 R endobj /Pg 31 0 R /K [1583 0 R 1584 0 R 1585 0 R] /Pg 30 0 R /S /Table 276 0 obj /F5 525 0 R /K [0] 206 0 obj >> /Type /StructElem 485 0 obj /S /Footer << >> << /MediaBox [0 0 595.32 842.04] /S /Header /Contents 638 0 R /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] endobj /P 3 0 R >> 403 0 obj 322 0 obj /S /L >> endobj >> /Type /Group 370 0 obj /S /P /Type /StructElem /A 1526 0 R HUD updates the FMRs annually, and CHA reviews these payment standards annually as well. /K [8] endobj /Pg 29 0 R /Pg 16 0 R 500 0 obj << 234 0 obj << /Type /Page /MediaBox [0 0 595.32 842.04] /Type /StructElem >> << /Type /StructElem 98 [338 0 R 339 0 R 1212 0 R 1212 0 R 1213 0 R 1213 0 R 1214 0 R 1214 0 R 1215 0 R 1215 0 R Please review its terms, privacy and security policies to see how they apply to you. endobj /Pg 25 0 R /A 1529 0 R Only those applicants who were selected in the lottery will be able to register by clicking on the following link: Login - My Housing For more information, call the pre-recorded Informational Line at 510-981-5495 Payment Standards Effective March 1, 2022 for New and July 1, 2022 for Existing Clients /S /P /Type /StructElem /P 3 0 R /S /Figure /Meta15 517 0 R This material is for discussion purposes only and is incomplete without reference to the other briefings provided by JPMorgan. /ExtGState << endobj << << /P 3 0 R /Type /StructElem /P 3 0 R /Type /StructElem /P 3 0 R /F7 613 0 R /Group << /P 3 0 R 214 0 obj In addition, for 6 of the module documents so-called "Delta Commentary" documents are provided, which contain detailed information on changes within the affected messages. << endobj /F1 520 0 R << 331 0 obj /P 3 0 R /K [927 0 R 903 0 R] /Type /StructElem /P 3 0 R 37 0 obj /S /H1 /Type /StructElem /Pg 39 0 R /Pg 12 0 R /StructParents 73 /S /Transparency 203 0 obj /Type /StructElem /ExtGState << endobj /S /H2 /K [1409 0 R] >> /Type /StructElem 107 [1244 0 R 1245 0 R 409 0 R 410 0 R 411 0 R 412 0 R 413 0 R 414 0 R 415 0 R 416 0 R 150 0 obj /P 3 0 R /Kids [9 0 R 10 0 R 11 0 R 12 0 R 13 0 R 14 0 R 15 0 R 16 0 R 17 0 R 18 0 R >> /K [8] /Annots [653 0 R 654 0 R] endobj /Pg 12 0 R /Type /StructElem /F4 523 0 R /Workbook /Document /K [925 0 R 899 0 R] /Pg 28 0 R endobj Please refer to Appendix A for the new rates of pay. /Contents 666 0 R 505 0 R 506 0 R 507 0 R 508 0 R 509 0 R 510 0 R 511 0 R] /S /L /Contents 663 0 R /P 3 0 R 435 0 R 436 0 R 437 0 R 438 0 R 439 0 R 440 0 R 441 0 R 442 0 R 443 0 R 444 0 R 709 0 R 710 0 R 711 0 R 712 0 R 713 0 R 714 0 R 715 0 R 716 0 R 717 0 R 718 0 R /P 3 0 R /K [1393 0 R] Nothing in this material is a solicitation by JPMC of any product or service which would be unlawful under applicable laws or regulations. An employer may also deduct money from an employees wages if the employee has signed a written statement authorizing the deduction. /GS6 518 0 R 319 0 obj endobj /P 3 0 R /Type /StructElem /S /Footer /P 3 0 R /S /H3 >> 135 0 R 136 0 R 137 0 R 138 0 R 139 0 R 140 0 R 141 0 R 142 0 R 143 0 R 144 0 R /K [1394 0 R] /P 3 0 R /P 3 0 R /Type /StructElem 282 0 obj 379 0 obj >> endobj >> endobj >> /Pg 30 0 R /Pg 28 0 R /K [1518 0 R 1519 0 R 1520 0 R 1521 0 R] <> 431 0 obj 432 0 obj << << << /GS9 519 0 R >> 183 0 obj 6 851 0 R 7 852 0 R 8 853 0 R 9 854 0 R /S /TOCI /S /TOCI /P 3 0 R /S /Header endobj /S /Transparency /Pg 28 0 R << /GS9 519 0 R Its a unique opportunity to capture rich data benefits and embrace data-driven innovation. /MSIP_Label_61354688-28ff-43f9-ae7a-258f2522a8ce_SetDate (2022-03-24T09:35:00.5884318Z) /K [1333 0 R] 309 0 obj /S /Footer /Type /Catalog >> endobj >> >> /K [0] /S /Transparency >> << /Type /StructElem >> endobj >> An ISO 20022 Task Force, comprised of technical operations experts from participating financial institutions, provides advice and expertise on the efficient and effective use of ISO 20022 for payments cleared and settled through our systems. 45 0 obj /Type /StructElem 394 0 obj /Pg 12 0 R >> /Type /StructElem This material was prepared exclusively for the benefit and internal use of the JPMorgan client to whom it is directly addressed (including such clients subsidiaries, the Company) in order to assist the Company in evaluating a possible transaction(s) and does not carry any right of disclosure to any other party. SIX offers smart, flexible solutions for banks issuing debit cards. /Pg 33 0 R 62 0 obj /P 3 0 R /S /TOCI 351 0 obj 459 0 obj 1092 0 R 1092 0 R 1093 0 R 1094 0 R 1095 0 R 1096 0 R 1097 0 R 1097 0 R 1098 0 R 1099 0 R Supplement for single adults. 496 0 obj /Length 0 To address these shifting needs, Payments Canada with the help of the industry has launched a multi-year initiative to modernize the Canadian paymentsystems, with ISO 20022 at its foundation for payment messaging. 69 0 obj /K [33] endobj /Pg 37 0 R 92 0 obj JPMC contact persons may be employees or officers of any of the foregoing entities and the terms J.P. /F7 613 0 R 456 0 obj 509 0 obj /P 3 0 R /P 3 0 R 1082 0 R 1082 0 R 1083 0 R 1083 0 R 1084 0 R 1084 0 R 1085 0 R 1085 0 R 1086 0 R 1086 0 R endobj 285 0 R 286 0 R 287 0 R 288 0 R 289 0 R 290 0 R 291 0 R 292 0 R 293 0 R 294 0 R << /S /Transparency /Pg 18 0 R >> /Type /StructElem endobj endobj /S /P Release Notes, dated 20 February 2023) and published on the password-protected extranet of SIX Interbank Clearing Ltd. << /K [1443 0 R] /Font << /P 3 0 R /P 3 0 R /S /H3 66 0 obj /S /Footer /ExtGState << /K [13] /Type /StructElem /Pg 12 0 R /Type /StructElem /K [1252 0 R 1253 0 R] /Type /StructElem /Type /StructElem /Type /StructElem This document describes the adjustments to the definitions on credit transfers (payment initiation) for the parallel phase 01.10.2022 to November 2024 due to discontinuation of ISR/IS. << /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /Pg 26 0 R >> /F10 616 0 R /P 3 0 R 322 0 obj <>/Filter/FlateDecode/ID[<6F263B7CC0B16C4BA4AFB4EBD48DA8EF><64ADCA790DECD64D92CA143EE5C71967>]/Index[302 30]/Info 301 0 R/Length 103/Prev 143608/Root 303 0 R/Size 332/Type/XRef/W[1 3 1]>>stream There are many ways to contact the Government of Ontario. << /Type /StructElem >> /Pg 42 0 R /Type /StructElem 129 0 obj << /Type /StructElem >> /K [756 0 R 757 0 R] /P 3 0 R /Type /StructElem /Pg 17 0 R /Pg 14 0 R /StructParents 97 Seniors will receive an extra $225 on average. /S /H3 >> 92 [294 0 R 1144 0 R 1145 0 R 296 0 R 297 0 R 1146 0 R 1147 0 R 299 0 R 300 0 R] /Type /StructElem /ExtGState <> >> >> >> /Type /StructElem /P 3 0 R /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /Type /StructElem endobj << /P 3 0 R /S /Transparency /GS6 518 0 R /S /Header /P 3 0 R /Pg 31 0 R << /F5 525 0 R endobj /K [31] /K [24] the first pay day after the stub period or vacation entitlement year ends, whichever is later. /ExtGState << /Pg 17 0 R /P 3 0 R /F9 615 0 R endobj /S /TOCI /P 3 0 R /P 3 0 R Sending and receiving robust payment details is critical not only for interoperability, but also for improving the client experience and screening measures. << /F5 525 0 R /S /P /K [7] /Pg 14 0 R endobj /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] 334 0 obj 134 0 obj 323 0 obj /S /L Free viewers are required for some of the attached documents. /Type /StructElem /Font << Our ISO 20022 program governance structure provides us with input from multiple perspectives when we consider any changes to our message portfolio. Employees may request (in writing) a statement containing the information in the employers vacation records. /P 3 0 R /K [4] /Pg 23 0 R << /S /Table /GS9 519 0 R /Pg 18 0 R >> The chart below outlines the 2021 payment standards. 542 0 R 543 0 R 544 0 R 545 0 R 546 0 R 547 0 R 548 0 R 549 0 R 550 0 R 551 0 R 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. 113 1280 0 R 114 1281 0 R endobj << /K [1] endobj endobj /F10 616 0 R /Pg 12 0 R 245 0 R 246 0 R 247 0 R 248 0 R 249 0 R 250 0 R 251 0 R 252 0 R 253 0 R 254 0 R These documents serve as instructions for the technical implementation of the ISO 20022 message "Customer Payment Status Report" (pain.002). /Type /StructElem /Type /StructElem /ExtGState << /Type /StructElem /Lang (en-US) /F1 520 0 R 186 0 obj /P 3 0 R << >> /Resources << /Contents 643 0 R << /S /Footnote /Type /StructElem 222 0 obj /Pg 28 0 R /S /Header /GS9 519 0 R << endobj 453 0 R 454 0 R 455 0 R 456 0 R 457 0 R 458 0 R] /K [1230 0 R 1231 0 R] /K [10] >> /ExtGState << The application of different standards results in inefficiencies in the marketplace and an inconsistent user experience. /S /H3 /Pg 32 0 R /K [1439 0 R] 230 0 obj 483 0 obj /F2 521 0 R /P 3 0 R endobj /P 3 0 R /K [6] /S /P /P 3 0 R >> /S /Header /K [5] >> /Type /StructElem endobj As major currencies adopt ISO 20022 formatting, SWIFT estimates that 80% of global, high-value payments by volume will be processed through ISO 20022. 80 0 obj /Pg 42 0 R /P 3 0 R endobj 488 0 obj Corporate creditor identification number database. /K [1590 0 R] /Contents 693 0 R /Parent 2 0 R /Type /StructElem /MediaBox [0 0 595.32 842.04] /Type /StructElem /XObject << /K [12] endobj endobj << 89 0 obj /S /P /Pg 24 0 R /K [2] /Contents 651 0 R << /Pg 25 0 R /F9 615 0 R >> /Type /StructElem 271 0 obj /Resources << << /Type /StructElem /P 3 0 R /P 3 0 R 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 65 978 0 R 66 979 0 R 67 980 0 R 68 981 0 R 69 982 0 R /K [1277 0 R 1281 0 R 1279 0 R] We also keep the Bank of Canada, which has oversight of our payment systems, informed of any significant changes. /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. << /P 3 0 R /F7 613 0 R /Type /StructElem /Pg 41 0 R 481 0 obj 413 0 obj 298 0 obj /K [2] The Swiss financial center is introducing beneficial standards, and also taking the opportunity to harmonize payments. /CS /DeviceRGB /S /P 256 0 obj /Type /StructElem All Rights Reserved. /XObject <> /XObject << /Type /Page /S /H2 /Pg 19 0 R 447 0 obj /K [22] endobj 115 0 obj /K [1449 0 R] These are the messages that are currently scheduled for implementation in Lynx Phase 2 (exact timing still to be agreed). endobj /P 3 0 R >> FY2022 Payment Standards Housing Choice Voucher Program Effective January 1, 2022 1 Zip 0 BR 1 BR 2 BR 3 BR 4 BR 5 BR 6 BR 7 BR 8 BR 9 BR FY2022 Payment Standards Housing Choice Voucher Program Effective January 1, 2022 /Pg 34 0 R 406 0 obj /Type /Group /Parent 4 0 R /ModDate (D:20220316195851+01'00') << A deduction can only be made when the employee was the. The federal government recently announced that GST credit amounts will be doubled for a 6 month period this year. >> << /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /S /P >> >> It supports software providers/corporates and financial institutions in their effort to ensure a high quality of the technical validation of ISO 20022 messages. /ExtGState << The new rates for 2022 reflect a one point five percent (1.5%) increase for 2020 and one point five percent (1.5%) increase for 2021. >> /S /Header /P 3 0 R /S /H3 /Pg 20 0 R /P 3 0 R /Type /StructElem /S /Header /P 3 0 R endobj << endobj << Our issuing processing is precisely tailored to cardholders needs. /S /H4 endobj /Type /StructElem endobj <> /Type /StructElem /Type /Page << 106 [403 0 R 404 0 R 405 0 R 1242 0 R 1243 0 R 407 0 R] /P 3 0 R /Group << /S /P << /GS9 519 0 R /S /P endobj /Pg 14 0 R << /Type /StructElem 237 0 obj endobj endobj 255 0 R 256 0 R 257 0 R 258 0 R 259 0 R 260 0 R 261 0 R 262 0 R 263 0 R 264 0 R /F4 523 0 R /F1 520 0 R << /Type /StructElem /P 3 0 R /K [1559 0 R] /Type /StructElem endobj All services are subject to applicable laws, regulations, and applicable approvals and notifications. /K [694 0 R 731 0 R 732 0 R 733 0 R 695 0 R 696 0 R 697 0 R 698 0 R 810 0 R 811 0 R /P 3 0 R 259 0 obj /S /TOCI /Pg 17 0 R /S /TOCI /Pg 36 0 R 59 0 obj 71 1007 0 R 72 1008 0 R 73 [1009 0 R 1010 0 R 206 0 R 207 0 R 208 0 R 209 0 R 210 0 R 211 0 R 1011 0 R 1012 0 R /P 3 0 R Theamendments planned up to this point will be published and any feedback will be sought. /P 3 0 R endobj 75 1027 0 R 76 [1028 0 R 1029 0 R 236 0 R 1030 0 R 1030 0 R 1031 0 R 1031 0 R 1032 0 R 1033 0 R 1034 0 R /K [1458 0 R] << /S /P /P 3 0 R /S /P /P 3 0 R /Type /Group /Pg 18 0 R /Pg 24 0 R Payments Canada ensures that these financial transactions in Canada are carried out safely and securely. It has defined new ISO 20022 payment messages and rules to be used between its member financial institutions, and acts as the knowledge leader for ISO 20022 in Canada by providing resources and support with its participant financial institutions and stakeholders through education, training and operational support. Read How Financial Institutions Can Unlock Value From APIs. 399 0 obj >> The ISO 20022 standard is managed on behalf of ISO by SWIFT (the Society for Worldwide Interbank Financial Telecommunication) as the Registration Authority for ISO 20022. endobj The payment standard amounts are based on the Fair Market Rents (FMR) for the Chicago regions, as determined by the U.S. Department of Housing and Urban Development (HUD). /Pg 41 0 R /P 3 0 R >> /P 3 0 R 220 0 obj J.P.Morgan, JPMorgan, JPMorgan Chase and Chase are marketing names for certain businesses of JPMorgan Chase & Co. and its subsidiaries worldwide (collectively, JPMC). >> /P 3 0 R 30 0 obj Payments Canada has publishedISO 20022 messagesand rules for the exchange of AFT payments between its participant financial institutions, based on a market driven approach. >> /K [16] /K [1491 0 R 1492 0 R 1493 0 R] hbbd```b``3@$fIi`0"9l)`"Y4/6G /F1 520 0 R /P 3 0 R << >> /Type /StructElem /Type /StructElem /K [1530 0 R 1531 0 R] /Pg 12 0 R /S /Footer << 423 0 obj /P 3 0 R 913 0 R 914 0 R 915 0 R 916 0 R 917 0 R 918 0 R 919 0 R 109 0 R] /ExtGState << 68 0 obj /K [1228 0 R 1229 0 R] << /Annots [618 0 R 619 0 R] /Type /Group /Type /StructElem /Pg 42 0 R << endobj /Resources << /F2 521 0 R /P 3 0 R 495 0 obj >> /Type /StructElem /K [1330 0 R 1331 0 R] /P 3 0 R endobj Another buyer, also making a 20% down payment, who has a credit score of 740, would see their fee climb by 0.375%, from 0.5% to 0.875%. /Pg 21 0 R 342 0 obj /K [1359 0 R] /P 3 0 R <> 429 0 obj /K [7] << 407 0 obj << /S /P /P 3 0 R >> /Type /StructElem /CS /DeviceRGB >> Todays digital economy and the rise of electronic payments has created a need for more information to travel along with the payment message. /F4 523 0 R >> /Meta15 517 0 R /Pg 20 0 R /Pg 23 0 R /K [863 0 R 759 0 R] << /P 3 0 R /Type /StructElem /Type /StructElem /S /Transparency

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