2022 payment standards

/P 3 0 R >> endobj The breakdown of the Standard 005 Logical Records and the ISO 20022 messages formats that were mapped against them is available in the ISO 20022 Resource Centre. 445 0 obj << 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 << /P 3 0 R << /S /TOCI Payments Canadas 2022 annual report now available, Payments Canada announces Jude Pinto as Chief Delivery Officer. 95 1158 0 R 96 [1159 0 R 1160 0 R 311 0 R 312 0 R 313 0 R 314 0 R 315 0 R 316 0 R 317 0 R 318 0 R /Pg 42 0 R /ExtGState << /Dest [41 0 R /XYZ 61 728 0] << 189 0 obj /S /P endobj /S /Header endobj /K [9] /K [1155 0 R 1156 0 R] 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%. /Type /StructElem >> Eligibility for particular products and services is subject to final determination by JPMC and or its affiliates/subsidiaries. /Type /Group You may lease an apartment with a rent higher than the Payment Standard, but you must pay the difference and your total tenant share cannot exceed 40% of your income. /F9 615 0 R >> 115 0 obj endobj /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] /Pg 28 0 R << /Pg 40 0 R endobj /S /Table 1155 0 R 1156 0 R 307 0 R 308 0 R 309 0 R] << 70 0 obj << /MediaBox [0 0 595.32 842.04] /S /TOCI >> /P 3 0 R /ExtGState << /ExtGState << /Pg 41 0 R /P 3 0 R /Group << >> 49 0 obj /Pg 15 0 R << << In such cases, the commission or bonus is not earned in the pay period in which the sales are actually made. >> /Pg 16 0 R /S /L /S /L /P 3 0 R /S /H3 /Pg 22 0 R /Type /StructElem /S /P /S /P /P 3 0 R >> >> << As a starting point, focus on the manageable external factors, suggests Cox. 486 0 obj /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /Pg 18 0 R >> >> /Type /StructElem /GS6 518 0 R 363 0 obj /S /TOCI >> /Type /StructElem >> endobj How will the new ISO 20022 payment messaging standards accommodate enhanced remittance data? /S /P 451 0 obj 469 0 obj /Type /StructElem /Contents 656 0 R 1077 0 R 1077 0 R 1078 0 R 1078 0 R 1079 0 R 1079 0 R 1080 0 R 1080 0 R 1081 0 R 1081 0 R /S /TOCI 103 [376 0 R 373 0 R 374 0 R 375 0 R 377 0 R 378 0 R 379 0 R 1234 0 R 1235 0 R 1236 0 R All services are subject to applicable laws, regulations, and applicable approvals and notifications. /MSIP_Label_61354688-28ff-43f9-ae7a-258f2522a8ce_SetDate (2022-03-24T09:35:00.5884318Z) /S /Header /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] endobj >> 390 0 obj /Type /StructElem endobj /Type /StructElem /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 >> /S /P /P 3 0 R endobj 359 0 obj Supplement for single adults. The payment standard is a part of the calculation worksheet that every voucher holder family is provided. /Pg 35 0 R /Type /StructElem Through a mix of mandatory and optional data elements to be included in the payment messages. endobj /Pg 16 0 R /Pg 12 0 R 382 0 obj Enhanced remittance data will support automated reconciliation and straight-through processing. /Image239 680 0 R >> /P 3 0 R /Pg 20 0 R >> << >> /Parent 2 0 R /P 3 0 R The standard enables efficient payments clearing and settlement among financial institutions globally through the use of a common set of messages and language that the institutions agree to use in a consistent way. From the corporate client perspective, benefits include efficient reconciliation, enhanced invoice information at scale, and fewer manual processes to reduce DSO and improve working capital. /XObject << 294 0 obj 211 0 obj stream 124 0 obj /S /Header << /Pg 12 0 R /Annots [641 0 R] << /F4 523 0 R /F13 623 0 R << endobj /K [13] /K [13] << /Pg 32 0 R /P 3 0 R /Type /StructElem /Pg 12 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 << /Pg 12 0 R /Pg 42 0 R /S /P >> /Type /StructElem /S /Figure /P 3 0 R /Type /Group << A Section 8 tenant can select a unit with rent that is below or above the Payment Standard; however, a . /P 3 0 R endobj /K [15] /P 3 0 R 23 0 obj /Type /StructElem /Type /StructElem /Type /Page /Type /StructElem /Font << >> The standards currently relied upon for domestic payment traffic in Canada are not consistently applied by all financial institutions and businesses. /GS6 518 0 R /Pg 13 0 R endobj >> 84 0 obj /Type /StructElem >> Employers must establish a regular pay period and a regular pay day for employees. >> /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] 729 0 R 730 0 R 731 0 R 732 0 R 733 0 R 734 0 R 735 0 R 49 0 R 736 0 R 737 0 R 120 0 obj 256 0 obj /Pg 16 0 R /S /P /Type /Group /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. /Type /StructElem /MediaBox [0 0 595.32 842.04] /S /Footer 215 0 R 216 0 R 217 0 R 218 0 R 219 0 R 220 0 R 221 0 R 222 0 R 223 0 R 224 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 /P 3 0 R /K [1603 0 R] /P 3 0 R << The employer is required to provide the information no later than: The employer is required to provide the information with respect to each stub year or vacation entitlement year only once. /GS6 518 0 R endobj /K [882 0 R 807 0 R] 432 0 obj endobj >> /Type /StructElem /Type /StructElem 246 0 obj 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 /Type /StructElem /S /Transparency << endobj They start on the Thursday after a payday, and end on the Wednesday 2 weeks later (on the payday). << << /S /P /S /L >> /Parent 2 0 R /MediaBox [0 0 595.32 842.04] << /S /P /K [1495 0 R 1496 0 R 1497 0 R 1498 0 R 1499 0 R 1500 0 R] /Type /StructElem /K [1384 0 R] /S /P /Pg 25 0 R /K [12] /Pg 17 0 R /Pg 29 0 R << /Type /StructElem endobj 137 0 obj << << 314 0 obj /S /TOCI 346 0 R 1221 0 R 1222 0 R 1223 0 R] endobj endobj /Type /StructElem /K [1419 0 R] /F4 523 0 R >> << /S /P /Pg 37 0 R endobj /Type /StructElem 505 0 obj /S /P /Pg 26 0 R /Type /StructElem /Meta15 517 0 R endobj /F2 521 0 R /Type /StructElem 145 0 obj /P 3 0 R /Font << /K [12] endobj /P 3 0 R /F2 521 0 R The definitions on credit transfers (Payment Initiation) cover the entire Swiss payment traffic and enable the submission of payment orders (including SEPA). /F7 613 0 R /Contents 638 0 R endobj /K [1546 0 R 1547 0 R 1548 0 R] 110 [444 0 R 445 0 R] 116 0 obj endobj >> endobj endobj << /Pg 36 0 R /Resources << /Title (Swiss Payment Standards 2022) << /Pg 41 0 R /Type /StructElem 33 0 obj /K [3] 163 0 obj /Meta15 517 0 R << << Todays digital economy and the rise of electronic payments has created a need for more information to travel along with the payment message. /K [1230 0 R 1231 0 R] /S /P /K [1464 0 R] /Pg 22 0 R Please refer to Appendix A for the new rates of pay. /P 3 0 R /Pg 21 0 R /K [20] /MediaBox [0 0 595.32 842.04] 468 0 obj 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 << /K [11] /S /P /S /TOCI 248 0 obj << /Type /StructElem The GST/HST payment amount for the July 2022 to June 2023 period is: $467: Single individuals /Pg 32 0 R /S /Header /F2 521 0 R 369 0 obj /K [1228 0 R 1229 0 R] /K [5] /P 3 0 R /P 3 0 R /K [4] /Type /StructElem 236 0 obj /Pg 23 0 R 74 0 obj /Type /StructElem /P 3 0 R 3 0 obj /Type /StructElem /S /H4 endobj /Pg 13 0 R /Title (Annex A: Symbols used for graphical XML representation) /P 3 0 R /P 3 0 R /P 3 0 R 903 0 R 904 0 R 905 0 R 906 0 R 907 0 R 908 0 R 909 0 R 910 0 R 911 0 R 912 0 R /Contents 651 0 R << /P 3 0 R /Type /StructElem /Type /StructElem /K [4] >> /K [4] >> /Pg 27 0 R >> /Pg 41 0 R >> /ExtGState << >> >> /Pg 32 0 R 381 0 R 382 0 R 1237 0 R 384 0 R 385 0 R 1238 0 R 387 0 R 388 0 R 389 0 R] << /Type /StructElem /S /TOCI /K [6] /S /P 552 0 R 553 0 R 554 0 R 555 0 R 556 0 R 557 0 R 558 0 R 559 0 R 560 0 R 561 0 R /S /Table PCI DSS is a global standard that provides a baseline of technical and operational requirements designed to protect account data. /Type /Group /Contents 635 0 R /F5 525 0 R /GS9 519 0 R 65 0 R 66 0 R 67 0 R 68 0 R 69 0 R 70 0 R 71 0 R 72 0 R 73 0 R 74 0 R /P 3 0 R /Pg 34 0 R /Group << Below are the Payment Standards effective January 1, 2023 for new rentals, transfers and annual recertifications: Bedroom size Payment Standard 0 ($)$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. >> /P 3 0 R /K [7] /StructParents 96 /Pg 28 0 R >> << << /K [1277 0 R 1281 0 R 1279 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 /GS6 518 0 R /K [21] /S /P >> 425 0 obj /P 3 0 R << /Pg 18 0 R /Type /StructElem /P 3 0 R /P 3 0 R /Type /StructElem Why is enhanced remittance data so important? 34 0 obj /S /Header endobj endobj << /S /P /Type /StructElem << /Contents 673 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). >> /InlineShape /Sect /P 3 0 R /S /P /P 3 0 R >> endobj 81 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 345 0 R 346 0 R 347 0 R 348 0 R 349 0 R 350 0 R 351 0 R 352 0 R 353 0 R 354 0 R /P 3 0 R /Pg 16 0 R /Type /Group In building the portfolio of Payments Canada ISO 20022 messages for AFT payments, Payments Canada began by mapping the current AFT standard to the relevant ISO 20022 formats as close to like-for-like or equivalent as possible, while also providing for the inclusion of optional structured and unstructured remittance information. /P 3 0 R 144 0 obj << endobj /CS /DeviceRGB /Meta15 517 0 R /S /Header >> /Pg 12 0 R >> endobj >> /P 3 0 R /Pg 16 0 R /K [862 0 R 755 0 R] /F4 523 0 R /K [1272 0 R 1273 0 R] endobj Efficiencies in managing/supporting multiple payments standards: ISO 20022 allows the financial services industry in Canada to consolidate the current. >> /Alt () /P 3 0 R /GS9 519 0 R << /Group << endobj << /S /Figure /Pg 42 0 R /MediaBox [0 0 595.32 842.04] /Font << /Pg 30 0 R endobj /K [1360 0 R 1361 0 R 1362 0 R] July 2022 - June 2023. Credit for each qualified child under 19. >> Stephen Lindsay, Head of Standards, SWIFT. /Type /StructElem endobj /K [1] 62 0 obj /GS9 519 0 R /S /P /RegistryName (http://www.color.org) /K [1438 0 R] /Meta15 517 0 R /P 3 0 R >> Corporate creditor identification number database. All Rights Reserved. /P 3 0 R >> >> /Type /StructElem << >> /Parent 2 0 R /K [11] endobj >> endobj 361 0 obj /A 1554 0 R /P 3 0 R /S /P >> >> /K [1434 0 R] >> /GS6 518 0 R 490 0 obj /Pg 31 0 R 178 0 obj /K [16] /A 1522 0 R /F2 521 0 R >> /S /P /P 3 0 R /CS /DeviceRGB /K [3] >> /P 3 0 R /S /H2 /K [1430 0 R 1431 0 R 1432 0 R] /XObject << >> /Type /StructElem 61 0 obj /Font << endobj /P 3 0 R /Pg 18 0 R << endobj /Type /StructElem /Pg 41 0 R /Type /StructElem 158 0 obj /K [1365 0 R 1366 0 R 1367 0 R] /S /Header 388 0 obj 485 0 R 486 0 R 487 0 R 488 0 R 490 0 R 491 0 R 489 0 R] /Type /StructElem endobj /Annots [653 0 R 654 0 R] The payday for a specific pay period is 2 weeks after the end . >> /Pg 35 0 R /P 3 0 R /Type /StructElem /Type /StructElem 112 [1272 0 R 1273 0 R 460 0 R 1274 0 R 1275 0 R 1276 0 R 462 0 R 463 0 R 464 0 R 465 0 R /P 3 0 R /Type /StructElem /S /Table endobj The Wages Act limits how much the employer is allowed to deduct at any one time. /S /Transparency ISO 20022 is a globally accepted standard for creating messages for the financial services industry. /F7 613 0 R Instead, in accordance with the employers accepted or agreed-on practice, it is earned and paid at a later date. /S /Footer /P 3 0 R endobj /K [13] /P 3 0 R /GS6 518 0 R /Font << /K [9] /Type /StructElem /P 3 0 R 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. /Parent 2 0 R /Type /StructElem /Type /StructElem /Type /StructElem /Contents 621 0 R >> /Type /StructElem 55 0 obj /K [4] 65 978 0 R 66 979 0 R 67 980 0 R 68 981 0 R 69 982 0 R /F5 525 0 R endobj /Type /StructElem /Type /StructElem The specifications to the credit transfer (Payment Initiation) cover the entire Swiss payment traffic and enable the submission of payment orders (inclusive SEPA). << >> /F7 613 0 R /K [1] /P 3 0 R /K [776 0 R 777 0 R] /K [1444 0 R] /K [0] An overview of the currently valid versions and from February the versions for the next release is presented below. 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 /Font << /K [2] /K [1330 0 R 1331 0 R] /F6 531 0 R /Font << /Annots [577 0 R 578 0 R 579 0 R 580 0 R 581 0 R 582 0 R 583 0 R 584 0 R 585 0 R 586 0 R Element-level change assessment between SPS 2021 and SPS 2022. << /S /Header /F1 520 0 R Will you utilize the SWIFT translation service or deal with data in your own shop? >> /Annots [605 0 R 606 0 R 607 0 R 608 0 R 609 0 R 610 0 R 611 0 R] /Pg 27 0 R /Type /StructElem /P 3 0 R endobj /K [31] /Pg 38 0 R /P 3 0 R >> /Pg 24 0 R /Type /StructElem /Type /StructElem << 334 0 obj 362 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 107 0 obj The ISO 20022 standard was developed by ISO (International Organization for Standardization), which is the worlds largest developer of voluntary International Standards. endobj 183 0 obj /Pg 20 0 R 331 0 obj <>stream >> << >> /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 endobj endobj /P 3 0 R /P 3 0 R >> /S /Header /K [9] endobj /S /P /Pg 41 0 R endobj 458 0 obj >> /S /H2 /Type /StructElem /S /Footer << >> /A 1567 0 R Products or services may be marketed and/or provided by commercial banks such as JPMorgan Chase Bank, N.A., securities or other non-banking affiliates or other JPMC entities. /S /L /P 3 0 R /P 3 0 R /Pg 24 0 R /Type /StructElem endobj /Type /StructElem >> /Type /StructElem /K [1] /Type /StructElem /K [774 0 R 775 0 R] /S /P To learn more, please contact your J.P. Morgan representative. endobj /Type /Group endobj << /K [863 0 R 759 0 R] >> /N 3 /Pg 42 0 R endobj /A 1556 0 R Click here for 2023 Payment Standards. endobj /K [20] >> /Pg 31 0 R /CS /DeviceRGB /K [1] /GS6 518 0 R endobj << /Type /Page on what would ordinarily have been the employees next regular pay day; the pay period for which the wages are being paid; the amount and purpose of each deduction; any amounts that were paid in respect of room or board; provided by e-mail if the employee has access to some means of making a paper copy. /K [13] 175 0 R 176 0 R 177 0 R 178 0 R 179 0 R 180 0 R 181 0 R 182 0 R 183 0 R 184 0 R /P 3 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. /Type /StructElem /Meta15 517 0 R /S /P /Type /StructElem /P 3 0 R << /Type /StructElem << While all of the current standards carry the requisite information to ensure that the funds can move from one account to another, they use different formatting, terminology and technologies to describe specific data fields and to create the different messages. /K [22] >> /OutputIntents [5 0 R] endobj The FMRs for the affected areas are revised as follows: Expand Table /Pg 39 0 R /Pg 35 0 R 499 0 obj /F4 523 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 /Font << endobj /P 3 0 R >> /Type /StructElem >> >> /Pg 21 0 R 301 0 obj /P 3 0 R /S /P /Pg 22 0 R /ID (Note 2) /Type /StructElem /K [5] /Type /StructElem << 366 0 obj << Adoption of ISO 20022 is tightly integrated with the work of Payments Canadas Modernization initiative, because the scope, timing and impact of this work may also impact strategic investment decisions, related to ISO 20022, by our participant financial institutions. << 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 << /Type /StructElem >> /K [871 0 R 781 0 R] /P 3 0 R << << << /S /H3 The payments paradox: data and systems become increasingly diverse as the global economy becomes more interconnected. /S /Header 31 0 obj /P 3 0 R /S /TOCI /K [0] 501 0 obj /Pg 12 0 R /K [19] /StructParents 107 /Meta15 517 0 R /Pg 19 0 R /Pg 22 0 R The Payment Standards are the maximum amount the LACDA can pay property owners for gross rent (rent plus utilities) and is determined . /Pg 23 0 R /Contents 670 0 R /K [1593 0 R 1594 0 R 1595 0 R 1596 0 R 1597 0 R 1598 0 R 1599 0 R] /Pg 18 0 R >> >> << 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. >> << >> >> >> >> /Parent 2 0 R /Type /StructElem /K [1400 0 R 1401 0 R 1402 0 R] /Type /Page endobj /GS9 519 0 R << endobj endobj /K [869 0 R 771 0 R] << 63 0 obj /P 3 0 R /F4 523 0 R /Type /StructElem /XObject << >> /S /Header /P 3 0 R /Pg 28 0 R /A 1551 0 R /P 3 0 R /S /Table endobj 473 0 obj /P 3 0 R 30 0 obj /P 3 0 R The Canadian economy depends on the exchange of billions of dollars each day. /P 3 0 R /P 3 0 R 508 0 obj Nothing in this material is a solicitation by JPMC of any product or service which would be unlawful under applicable laws or regulations. >> /P 3 0 R /K [1418 0 R] >> /K [10] /P 3 0 R << endobj /K [3] >> 113 1280 0 R 114 1281 0 R % << /Contents 671 0 R /Nums [0 [694 0 R 695 0 R 696 0 R 697 0 R 698 0 R] Paydays are every 2 weeks, on Wednesdays. /P 3 0 R /Type /StructElem /P 3 0 R /Pg 28 0 R /Pg 33 0 R 201 0 obj /P 3 0 R /Type /StructElem /S /Header This document serves as guidance 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). /Contents 668 0 R /MediaBox [0 0 595.32 842.04] << /Type /StructElem /K [1491 0 R 1492 0 R 1493 0 R] /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] << /P 3 0 R /ExtGState << /ExtGState << /Pg 24 0 R endobj /K [10] /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] ISO 20022 is an international standard designed to simplify global business communication. endobj endobj /CS /DeviceRGB In 2022, Payments Canada systems cleared and settled $119 trillion or $476 billion every business day. /F5 525 0 R >> >> << /F1 520 0 R /Pg 37 0 R /Pg 23 0 R 446 0 obj /S /TOCI >> 335 0 R 336 0 R 337 0 R 338 0 R 339 0 R 340 0 R 341 0 R 342 0 R 343 0 R 344 0 R << << 192 0 obj /P 3 0 R 85 0 obj /Pg 20 0 R For example, this could be when goods or services have been delivered to the customer and full payment has been received. A Section 8 tenant can select a unit with rent that is below or above the Payment Standard; however, a tenant is not allowed to pay more than 40% of their income toward rent in the first contract year. endobj /Pg 18 0 R /Contents 528 0 R >> /S /P endobj >> endobj /Group << /K [5] /XObject << /F2 521 0 R >> /Pg 37 0 R /K [14] /ExtGState << /Type /StructElem /S /Transparency >> /Pg 33 0 R 41 0 obj /Pg 21 0 R /Resources << 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. /Pg 29 0 R /F5 525 0 R /Pg 34 0 R /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /K [7] /Type /StructElem /S /TOCI /P 3 0 R /Pg 12 0 R /K [1586 0 R] /S /Transparency /Type /StructElem >> >> << /S /P /XObject << /Pg 13 0 R /Type /Page /S /P Detailed description of the changes implemented to the XML Schema and the camt.053 message, migrating from the previous version (SPS 2021) to SPS 2022 using the ISO 20022 Schema 2019. /P 3 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. /S /Header >> /A 1529 0 R /P 3 0 R /Type /StructElem /Type /Page /P 3 0 R /S /Header 457 0 obj /K [1210 0 R 1211 0 R] >> >> endobj /Pg 17 0 R 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 >> << endobj 141 0 obj /P 3 0 R the purpose is to cover a loss due to faulty work. For example, faulty work could be a mistake in a credit card transaction, work that is spoiled or rejected, or a situation where tools are broken or employer vehicles damaged while on employer business; the employer has a cash shortage or has had property lost or stolen when an employee did not have sole access and total control over the cash or property that is lost or stolen. /K [1448 0 R] >> /P 3 0 R /K [6] /MediaBox [0 0 595.32 842.04] /Annots [532 0 R 533 0 R 534 0 R 535 0 R 536 0 R 537 0 R 538 0 R 539 0 R 540 0 R 541 0 R /Pg 31 0 R /Type /StructElem /K [21] /P 3 0 R >> /K [925 0 R 899 0 R] /F7 613 0 R /F4 523 0 R endobj /Pg 16 0 R >> << /S /P /S /TOCI /XObject << /Type /StructElem 127 0 obj 11/1/2022 10:04:57 AM . 2020 JPMorgan Chase & Co. All Rights Reserved. 514 0 obj >> /P 3 0 R /K [7] HA 317 0 obj /P 3 0 R >> /StructParents 91 endobj endobj /F5 525 0 R /K [1409 0 R] endobj /Type /StructElem >> >> /Type /StructElem /Pg 27 0 R /Type /StructElem /S /TOCI 274 0 obj >> 208 0 obj The following explanations describe the regulations that are applied uniformly within the framework of the Swiss Payment Standards in addition to the individual Implementation Guidelines. << /Type /Group << /Type /StructElem << /StructParents 93 endobj 39 0 obj The Huntsville Housing Authority administers approximately 1,606 vouchers. << /Contents 625 0 R /F2 521 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 /Pg 26 0 R >> /S /P /Pg 27 0 R /Type /StructElem /ExtGState << /F10 616 0 R /A 1580 0 R /Type /StructElem /S /TOCI /Diagram /Figure << >> /Pg 39 0 R /K [18] /XObject << /F4 523 0 R 307 0 obj /Type /StructElem /Type /StructElem /RoleMap 43 0 R 452 0 obj /P 3 0 R /K [1022 0 R 1023 0 R] 181 0 obj endobj /K [2] << Housing Choice Voucher Program Payment Standards . /P 3 0 R endobj /K [8] /Resources << >> /P 3 0 R >> 1117 0 R 1118 0 R] /P 3 0 R >> /K [1470 0 R 1471 0 R 1472 0 R] >> /Pg 33 0 R >> /P 3 0 R /Type /StructElem /ParentTreeNextKey 118 >> >> /K [5] /Image251 692 0 R endobj /Type /StructElem << /P 3 0 R /Pg 13 0 R /P 3 0 R These include payments clearing and settlement, payment initiation, cash management, securities trades and settlement, account management and trade services management. 1055 0 R 238 0 R] /Pg 28 0 R endobj /StructParents 1 endobj /F7 613 0 R /P 3 0 R endobj /Type /StructElem Payments Canada messages for ISO 20022 enabled AFT messages, ISO 20022 message specifications for Lynx, ISO 20022 messages for the Real-Time Rail (RTR), Keeping ISO 20022 electronic payment messages current and effective our portfolio maintenance process. /P 3 0 R /Type /StructElem /K [1028 0 R 1029 0 R] This material does not constitute a commitment by any JPMC entity to extend or arrange credit or to provide any other products or services and JPMorgan reserves the right to withdraw at any time. /F14 650 0 R /Type /StructElem 1277 0 R 1278 0 R 1279 0 R 467 0 R] /Type /StructElem 245 0 obj /Pg 17 0 R /Type /StructElem << endobj 368 0 obj /S /P /P 3 0 R >> /ExtGState << /P 3 0 R >> /Type /StructElem /F2 521 0 R << /S /P /P 3 0 R << /A 1571 0 R >> 249 0 obj /Type /StructElem /Type /StructElem /Type /StructElem /S /P /Type /StructElem /Group << /K [875 0 R 789 0 R] /Pg 17 0 R /F2 521 0 R endobj /K [868 0 R 769 0 R] To optimize the benefits of ISO 20022 in Canada, weve committed to maintaining the most recent versions of the messages in our portfolio. >> 492 0 obj /K [7] /Type /StructTreeRoot /Pg 12 0 R >> /Type /Page /Meta15 517 0 R /Type /StructElem 396 0 obj endobj >> /Pg 37 0 R /Parent 2 0 R << /S /Transparency /Pg 21 0 R >> /Type /StructElem /Type /StructElem Subscribe to one or more of our newsletters and events to connect and stay informed. >> << /Type /StructElem >> 114 0 obj /Pg 42 0 R >> /Type /Group /S /P /Type /StructElem endobj >> << endobj 1087 0 R 1087 0 R 1088 0 R 1088 0 R 1089 0 R 1089 0 R 1090 0 R 1090 0 R 1091 0 R 1091 0 R /Pg 42 0 R >> 308 0 obj /Pg 35 0 R << /Pg 22 0 R /Pg 20 0 R endobj /Type /StructElem /K [1473 0 R] /Type /StructElem 460 0 obj endobj /Contents 669 0 R << 1142 0 R 1143 0 R 290 0 R 291 0 R 292 0 R 293 0 R] >> /Pg 41 0 R /K [1370 0 R 1371 0 R 1372 0 R] /Pg 28 0 R /S /Footer /Pg 24 0 R /Group << /K [1533 0 R 1534 0 R] >> 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 /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /P 3 0 R /Pg 37 0 R /Pg 24 0 R However, the significance of the shift will unfold over the next few years. /S /P 243 0 obj /K [2] >> << /P 3 0 R /Header /Sect /S /Transparency /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. << 186 0 obj /S /P << /K [1147 0 R 1146 0 R] /P 3 0 R 46 0 obj >> >> /XObject << The older versions are available in the archives. endobj /GS9 519 0 R 239 0 obj 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 /S /H3 >> >> /K [1435 0 R 1436 0 R 1437 0 R] >> Any products, services, terms or other matters described herein (other than in respect of confidentiality) are subject to the terms of separate legally binding documentation and/or are subject to change without notice. /Type /StructElem >> endobj >> endobj >> endobj The power of ISO 20022 can be summed up as: an opportunity to harness data across the entire payment ecosystem to share information better, together. >> /Pg 34 0 R Credit if you are married or have a common-law partner. << /K [17] endobj /S /TOCI /Pg 24 0 R /Meta15 517 0 R /Group << << /Type /StructElem /F4 523 0 R 6 0 obj >> /K [8] 168 0 obj /K [1481 0 R] 259 0 obj /K [734 0 R 735 0 R] /XObject << The application of different standards results in inefficiencies in the marketplace and an inconsistent user experience. Ind AS 102: Share-based Payment Ind AS 103: Business Combinations Ind AS 104: Insurance Contracts . endobj 56 0 obj /S /Header Neither JPMorgan nor any of its directors, officers, employees or agents shall incur in any responsibility or liability whatsoever to the Company or any other party with respect to the contents of any matters referred herein, or discussed as a result of, this material. /Pg 37 0 R endobj /Type /StructElem /Meta186 636 0 R << /Parent 4 0 R /S /Figure /F8 614 0 R >> << /P 3 0 R /Creator () >> /K [11] << endobj << /P 3 0 R endobj 86 0 obj /Type /StructElem Payments Canada acts as the ongoing manager of the Canadian ISO 20022 usage guidelines and message specifications, while managing changes based on the needs of participant financial institutions and stakeholders. >> >> endobj . Release Notes, dated 20 February 2023) and published on the password-protected extranet of SIX Interbank Clearing Ltd. /CS /DeviceRGB /Type /StructElem 262 0 obj /Type /StructElem /K [2] Subscribe to one or more of our newsletters and events to connect and stay informed. /Type /StructElem endobj version 2 for the LSV+/BDD schemes. /Parent 2 0 R 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. << << 2022 Payment Standards 05.2022 /K [1359 0 R] /S /P << /MSIP_Label_61354688-28ff-43f9-ae7a-258f2522a8ce_Application (Microsoft Azure Information Protection) Since that time, the Modernization initiative moved forward with ISO 20022-related work on both Lynx, Canadas new high-value payment system and Real-Time Rail, Canadas new real-time payment system. /K [0] /Pg 18 0 R endobj /K [870 0 R 773 0 R] /Type /Group /S /TOCI 103 0 obj /K [878 0 R 797 0 R] >> 275 0 obj >> /Type /StructElem 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 /GS9 519 0 R /Type /StructElem /F2 521 0 R /Pg 24 0 R >> /Type /StructElem 229 0 obj /P 3 0 R To help us do this, weve established a formal maintenance schedule.

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