2022 payment standards

/S /H3 /Pg 41 0 R /K [1326 0 R 1327 0 R] >> /F10 616 0 R /Pg 28 0 R 421 0 obj /Type /StructElem >> /S /Header /S /P The chart below outlines the 2021 payment standards. /Pg 34 0 R /F5 525 0 R /GS9 519 0 R /Pg 12 0 R endobj endobj /CS /DeviceRGB /Meta15 517 0 R /Contents 687 0 R 44 0 obj /P 3 0 R /K [1478 0 R] 410 0 obj /F12 622 0 R /P 3 0 R 117 [492 0 R 493 0 R 1302 0 R 1303 0 R 1304 0 R 1305 0 R 497 0 R 498 0 R 1306 0 R 1307 0 R /Annots [618 0 R 619 0 R] /P 3 0 R << /Pg 17 0 R endobj /S /P << >> /K [21] 1 [699 0 R 700 0 R 701 0 R 702 0 R 703 0 R 704 0 R 705 0 R 706 0 R 707 0 R 708 0 R /K [2] /S /P endobj >> /Meta15 517 0 R << /P 3 0 R /F5 525 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 /Type /StructElem << /Type /StructElem /K [870 0 R 773 0 R] /Pg 36 0 R << /XObject << 104 1239 0 R 456 0 obj /S /P /K [3] /Parent 2 0 R /K [1419 0 R] 490 0 obj 216 0 obj /S /P /Type /StructElem They cover the business areas of cash management reporting and payment instruction placement. /Pg 40 0 R /Type /StructElem /S /Header /Annots [662 0 R] 152 0 obj >> 425 0 R 426 0 R 427 0 R 428 0 R 429 0 R 430 0 R 431 0 R 432 0 R 433 0 R 434 0 R 494 0 obj 489 0 obj /Pg 33 0 R Will you utilize the SWIFT translation service or deal with data in your own shop? /K [5] /K [8] endobj /Pg 30 0 R /CS /DeviceRGB >> /P 3 0 R endobj /Contents 643 0 R The Canadian economy depends on the exchange of billions of dollars each day. 121 0 obj /P 3 0 R >> /ModDate (D:20220316195851+01'00') /K [15] /Type /StructElem 295 0 R 296 0 R 297 0 R 298 0 R 299 0 R 300 0 R 301 0 R 302 0 R 303 0 R 304 0 R >> /K [5] /P 3 0 R /Type /Page /Type /StructElem << /F13 623 0 R /Pg 33 0 R /Type /StructElem /ExtGState << endobj /Type /StructElem /K [6] endobj 114 0 obj /P 3 0 R /S /TOCI endobj /F8 614 0 R endobj 836 0 R 837 0 R 838 0 R] << 222 0 obj /Pg 41 0 R >> /Type /StructElem << As a global leader, we deliver strategic advice and solutions, including capital raising, risk management, and trade finance services to corporations, institutions and governments. 374 0 obj /Pg 42 0 R /Type /StructElem /Resources << /Type /StructElem /P 3 0 R >> /OutputConditionIdentifier (sRGB) /Type /Group /P 3 0 R /P 3 0 R 424 0 obj If the wages are paid by direct deposit, the employees account must be their name. endobj >> >> /Pg 30 0 R /P 3 0 R /F7 613 0 R /F4 523 0 R ISO 20022 is a standards development methodology used by multiple business domains. What does ISO 20022 mean for the payments industry? - J.P. Morgan /K [11] << /Pg 42 0 R /Pg 16 0 R /P 3 0 R /Type /StructElem HUD Announces Increased Payment Standards, More Vouchers 363 0 obj /P 3 0 R /S /TOCI /F1 520 0 R /P 3 0 R >> /Font << /P 3 0 R << >> /K [1603 0 R] /S /P The Huntsville Housing Authority administers approximately 1,606 vouchers. GHVP Payment Standards - DBHDD Office of Supportive Housing << J.P. Morgan isnt responsible for (and doesnt provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the J.P. Morgan name. /P 3 0 R >> /Pg 12 0 R /P 3 0 R endobj /K [1243 0 R 1242 0 R] 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] /S /P 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. /K [8] 346 0 obj >> /K [1379 0 R] 447 0 obj 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 /Pg 30 0 R /K [1155 0 R 1156 0 R] /Pg 12 0 R >> 34 0 obj /F5 525 0 R The definitions for the bank-to-customer message report (Cash Management) cover the electronic account statement as well as the debit and credit notifications. /K [7] A deduction can only be made when the employee was the. /P 3 0 R << >> /Pg 42 0 R >> 416 0 obj /P 3 0 R >> /P 3 0 R /S /P As major currencies adopt ISO 20022 formatting, SWIFT estimates that 80% of global, high-value payments by volume will be processed through ISO 20022. /K [7] endobj /Pg 35 0 R /Type /StructElem /Pg 36 0 R >> /Type /Group /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /P 3 0 R The Financial Institutions Branch Directory (FIBD) provides routing numbers and addresses for branches of all Canadian financial institutions. >> /S /TOCI /S /Footer /Font << /S /Footer >> The XML message "Customer Payment Status Report" (pain.002) is used to inform the customer about the status of transmitted transfer orders "pain.001" or collection orders "pain.008" by the financial institution. << /Type /StructElem /Group << /S /Header /S /Footer /K [1022 0 R 1023 0 R] /S /H3 336 0 obj << 289 0 obj /Type /StructElem /P 3 0 R /Type /StructElem /Contents 528 0 R /MediaBox [0 0 595.32 842.04] A court order may indicate that an employee owes money either to the employer or to someone else other than their employer, and that the employer can make a deduction from the employees wages to pay what is owed. endobj >> << >> /F10 616 0 R endobj /XObject << /GS6 518 0 R endobj /P 3 0 R /K [1469 0 R] >> /Contents 576 0 R /Pg 17 0 R >> /P 3 0 R /P 3 0 R 325 0 R 326 0 R 327 0 R 328 0 R 329 0 R 330 0 R 331 0 R 332 0 R 333 0 R 334 0 R >> endobj /K [4] /Contents 670 0 R /S /Header 338 0 obj >> endobj >> << Some employees earn commissions or "bonuses" based on sales made in a pay period. endobj 207 0 obj The application of different standards results in inefficiencies in the marketplace and an inconsistent user experience. Changes are coming to some mortgage fees next month - CNN /K [1481 0 R] << 356 0 R 357 0 R 358 0 R 359 0 R 360 0 R 361 0 R 362 0 R] /Type /StructElem If an employee owes money to someone other than their employer, a court order may direct an employer to make a deduction from an employees wages and send the money to the court clerk or other official, to be paid in turn to a third party. The Wages Act limits how much the employer is allowed to deduct at any one time. /S /P >> Multinational corporations will also benefit from global interoperability as more and more jurisdictions are moving to the ISO 20022 standard. endobj 183 0 obj /Pg 26 0 R /F8 614 0 R /Pg 41 0 R /Type /StructElem /S /H3 endobj /S /P 377 0 obj /P 3 0 R >> /P 3 0 R << >> /S /TOCI /F2 521 0 R /ExtGState << /Pg 17 0 R 58 0 obj /Type /StructElem /GS6 518 0 R /S /Transparency << /Pg 33 0 R 467 0 obj /F7 613 0 R << /S /P /Type /StructElem /Pg 13 0 R /P 3 0 R 362 0 obj /F7 613 0 R endobj Reference No Description; . /Image248 689 0 R /K [3] /P 3 0 R For example, employers are required to make deductions for income taxes, employment insurance premiums and Canada Pension Plan contributions. 249 0 obj /Image243 684 0 R >> /P 3 0 R /Font << Home | Payments >> /F5 525 0 R /S /Transparency << /Parent 2 0 R endobj >> /S /P /K [895 0 R 1334 0 R 1335 0 R 1336 0 R 1337 0 R 1338 0 R 1339 0 R] >> /Resources << endobj 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. /P 3 0 R /GS9 519 0 R /Pg 33 0 R /Pg 12 0 R /S /P /Parent 2 0 R endobj /S /P /S /P /GS9 519 0 R >> 465 0 obj 232 0 obj /S /Header /P 3 0 R << /K [11] endobj >> Payment Standards | Berkeley Housing Authority /Font << endobj %%EOF >> /Alt () /Pg 13 0 R 193 0 obj endobj /Type /Page >> /S /Header >> >> << /S /P Rather than managing multiple market systems that speak different languages, ISO 20022 offers a universal messaging language. /P 3 0 R The Payment Standards do not limit or affect the amount of rent an owner may charge or the Section 8 tenant may pay. /S /P %PDF-1.6 % endobj >> /K [1234 0 R 1239 0 R 1236 0 R] << 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 /K [1067 0 R 1068 0 R] /S /P endobj endobj >> /Pg 18 0 R /Type /StructElem And while our legacy systems serve us well, they lack the ability to provide the information users need, resulting in barriers to end-to-end straight through processing - key to allowing Canadian businesses, governments and financial institutions to initiate, receive and reconcile electronic payments efficiently. /S /P 211 0 obj /S /H3 /Type /StructElem /Pg 16 0 R >> /S /H1 /F4 523 0 R 826 0 R 827 0 R 828 0 R 829 0 R 830 0 R 831 0 R 832 0 R 833 0 R 834 0 R 835 0 R 53 0 obj /CS /DeviceRGB /Resources << endobj << /Type /StructElem >> Credit if you are married or have a common-law partner. /Pg 19 0 R /S /P /S /P /Type /StructElem /P 3 0 R endobj /F11 617 0 R >> /Pg 34 0 R /Type /StructElem endobj 437 0 obj /S /P 22 0 obj /Resources << 514 0 obj /P 3 0 R /Type /Page 105 [397 0 R 394 0 R 1240 0 R 391 0 R 1241 0 R 393 0 R 395 0 R 396 0 R 398 0 R 399 0 R /K [1322 0 R 1323 0 R] /P 3 0 R /P 3 0 R /Pg 25 0 R /Pg 35 0 R /P 3 0 R /S /H1 >> /Type /StructElem /CS /DeviceRGB /P 3 0 R >> >> 138 0 obj /Type /StructElem /Resources << /K [756 0 R 757 0 R] endobj /Type /StructElem /Type /Group /P 3 0 R 106 [403 0 R 404 0 R 405 0 R 1242 0 R 1243 0 R 407 0 R] /P 3 0 R /K [1150 0 R 1157 0 R 1152 0 R 1158 0 R 1154 0 R] << /K [1325 0 R] /K [2] /S /P /F1 520 0 R /Contents 663 0 R /Pg 23 0 R /Type /Group /K [864 0 R 761 0 R] >> << Bedroom Size SRO 0-bdr 1-bdr 2-bdr 3-bdr 4-bdr 5-bdr 6-bdr 7-bdr 8-bdr Payment Standards $1,245 $1,660 $1,924 $2,452 $3,231 $3,519 . 39 920 0 R >> /P 3 0 R /S /P >> /Resources << << << /S /H2 << 46 0 obj /K [16] >> >> 221 0 obj << /S /P /P 3 0 R endobj /K [1559 0 R] >> /P 3 0 R /Type /StructElem /Pg 36 0 R /Type /Group 90 1137 0 R 91 [281 0 R 282 0 R 1138 0 R 1139 0 R 284 0 R 1140 0 R 1141 0 R 286 0 R 287 0 R 288 0 R /K [4] 423 0 obj /Resources << /P 3 0 R 274 0 obj /Type /StructElem << /Type /StructElem The "Implementation Guidelines for ISO 20022 Interbank Messages", which contain the rules mutually agreed upon by Swiss interbank governance bodies and committees, are binding for all SIC and euroSIC participants. 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 endobj /P 3 0 R << >> /A 1556 0 R >> /K [15] endobj /Type /StructElem /GS9 519 0 R 335 0 obj What does ISO 20022 mean for the payments industry? /Nums [0 [694 0 R 695 0 R 696 0 R 697 0 R 698 0 R] /F2 521 0 R /Type /StructElem endobj endobj /P 3 0 R endobj 450 0 obj /P 3 0 R $161. 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). 258 0 R 259 0 R 260 0 R 261 0 R 262 0 R 263 0 R] << 430 0 obj /Contents 652 0 R >> /S /Header endobj >> /K [9] >> Canadian payroll legislation: 2022 statutory holiday schedule - Payworks 173 0 obj >> /K [1435 0 R 1436 0 R 1437 0 R] 247 0 obj >> << >> /MSIP_Label_61354688-28ff-43f9-ae7a-258f2522a8ce_SetDate (2022-03-24T09:35:00.5884318Z) << /Meta15 517 0 R /S /P /Type /StructElem /S /Header >> /Parent 2 0 R >> >> 23 0 obj endobj >> Simon Cox, J.P. Morgan Managing Director of Channels Technology, urges both FIs and corporate clients to consider technical architecture changes and a workable scope. Follow J.P.Morgan Chase & Co. on Facebook, : opens new window to JPMorgan Chase Careers. /Annots [605 0 R 606 0 R 607 0 R 608 0 R 609 0 R 610 0 R 611 0 R] /K [1464 0 R] /S /Header << endobj /Pg 16 0 R 48 0 obj /Type /StructElem /Type /StructElem /StructParents 102 /StructParents 106 /Type /StructElem endobj 382 0 obj 309 0 obj endobj << /S /Transparency >> /Pg 17 0 R endobj /Pg 28 0 R Federal Register :: Fair Market Rents for the Housing Choice Voucher /F7 613 0 R /K [1533 0 R 1534 0 R] << /Pg 27 0 R /Pg 27 0 R /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /Pg 39 0 R /Pg 37 0 R /Type /StructElem /K [1600 0 R 1601 0 R] /Contents 649 0 R /S /L /K [1483 0 R 1484 0 R 1485 0 R 1486 0 R 1487 0 R 1488 0 R 1489 0 R] 295 0 obj >> endobj 1100 0 R 1101 0 R 1102 0 R 1102 0 R 1103 0 R 1104 0 R 1105 0 R 1106 0 R 1107 0 R 1107 0 R /S /Footer /Pg 40 0 R /P 3 0 R >> /Pg 31 0 R << 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 /CS /DeviceRGB /Pg 24 0 R /P 3 0 R endobj >> >> >> 3 0 obj endobj endobj 115 1281 0 R 116 [1282 0 R 1283 0 R 473 0 R 474 0 R 1284 0 R 1285 0 R 1286 0 R 1287 0 R 478 0 R 479 0 R 213 0 R 214 0 R 1013 0 R 1014 0 R 1015 0 R 1016 0 R 1017 0 R 1018 0 R 216 0 R 217 0 R "{P*uy=s_s]sotiP*X{|>7\&QHtd)gI7f~TLCe['\O)Nn^ Fw{1I q3!sU7L6DC!v[C) iqWd{P;PLfmX~#"euHHm?&r&FhWHBPp1HHV+kR4XsBE/M+rKUQ\m5+$f%&S;IVjB ~j65?SPMoaQ6aMeXQ ?p6sH << /Type /StructElem endobj /Type /StructElem /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] endobj /Pg 33 0 R /S /H4 /P 3 0 R /P 3 0 R /Pg 18 0 R /F4 523 0 R This is called payment in arrears. 1 Fast Facts: ISO 20022 >> /P 3 0 R /Type /StructElem /K [1552 0 R 1553 0 R] /P 3 0 R /K [1527 0 R 1528 0 R] /F10 616 0 R /F9 615 0 R /Pg 30 0 R /Type /StructElem /S /Figure /Pg 42 0 R /P 3 0 R 508 0 obj /Meta15 517 0 R /S /P /P 3 0 R Payments Canada is pleased to publish its annual report, Facilitating data-rich payments. << << /K [1005 0 R 1006 0 R] >> >> /S /TOCI /S /P >> >> /Type /StructElem 436 0 obj << 86 0 obj /S /TOCI /F2 521 0 R endobj /S /Table Making Life More Affordable - Canada.ca 163 0 obj << 30 875 0 R 31 876 0 R 32 877 0 R 33 878 0 R 34 879 0 R /F1 520 0 R /A 1554 0 R << 510 0 obj 122 0 obj /Pg 24 0 R /S /H3 These documents serve as instructions for the technical implementation of the ISO 20022 message Customer Direct Debit Initiation (pain.008) for SEPA direct debits. /Pg 38 0 R /Pg 34 0 R 43 0 obj /S /P /K [882 0 R 807 0 R] /K [19] /Type /StructElem /Pg 20 0 R << /Pg 21 0 R << 351 0 obj >> 319 0 obj /P 3 0 R endobj /P 3 0 R endobj /Type /OutputIntent endobj /K [1375 0 R 1376 0 R 1377 0 R] /Type /StructElem >> direct deposit, which includes Interac e-Transfer, into the employee's account at a bank or other financial institution. /Pg 24 0 R /S /P >> << >> /P 3 0 R /K [875 0 R 789 0 R] /F4 523 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. /Type /StructElem /P 3 0 R /P 3 0 R /S /TOC

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