endobj Simon Cox, Managing Director of Channels Technology, J.P. Morgan. /K [863 0 R 759 0 R] 97 [323 0 R 324 0 R 325 0 R 326 0 R 327 0 R 328 0 R 1199 0 R 1199 0 R 1200 0 R 1200 0 R >> >> >> /F4 523 0 R /P 3 0 R << 1161 0 R 1161 0 R 1162 0 R 1162 0 R 1163 0 R 1163 0 R 1164 0 R 1164 0 R 1165 0 R 1165 0 R /S /P << 380 0 obj >> << /Type /Group /Type /StructElem /P 3 0 R /Type /StructElem /Type /StructElem /K [6] >> endobj /Type /StructElem /S /Header 3 839 0 R 4 840 0 R /GS9 519 0 R /Contents 651 0 R endobj /K [1509 0 R] /K [7] /F5 525 0 R /K [15] >> /F1 520 0 R endobj endobj >> endobj /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. 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 [1433 0 R] /Type /StructElem /P 3 0 R endobj /ModDate (D:20220316195851+01'00') /CS /DeviceRGB /Pg 39 0 R /Pg 17 0 R << /Type /StructElem 513 0 obj /Pg 21 0 R /K [35] /F4 523 0 R 102 [1230 0 R 1231 0 R 364 0 R 365 0 R 1232 0 R 1233 0 R 367 0 R 368 0 R 369 0 R 372 0 R << 241 0 obj /F4 523 0 R endobj << 477 0 obj /K [4] /S /Transparency /P 3 0 R /Meta15 517 0 R /Meta15 517 0 R /Pg 30 0 R /Pg 41 0 R >> << endobj /P 3 0 R << >> /S /H2 /Pg 13 0 R >> /Type /Group /S /H3 >> /A 1532 0 R /Image242 683 0 R << /K [16] /S /P /S /P Will you utilize the SWIFT translation service or deal with data in your own shop? endobj << /CS /DeviceRGB /S /P Ind AS 102: Share-based Payment Ind AS 103: Business Combinations Ind AS 104: Insurance Contracts . endobj endobj /Group << /XObject << /S /Transparency 378 0 obj /F7 613 0 R /P 3 0 R /K [1549 0 R 1550 0 R] 175 0 obj /K [20] >> /Type /StructElem /Type /StructElem /K [868 0 R 769 0 R] /P 3 0 R >> Housing Choice Voucher Program Payment Standards . << >> >> /Contents 621 0 R 426 0 obj Credit if you are married or have a common-law partner. /Contents 638 0 R /F10 616 0 R /S /Header endobj /S /Header << /P 3 0 R endobj /Type /StructElem endobj 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 /Type /StructElem /K [1577 0 R 1578 0 R 1579 0 R] >> /K [13] /Pg 32 0 R /S /P << >> >> 373 0 obj View the Text Version 63 0 obj /Pg 35 0 R /K [0] /Pg 18 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 /K [1465 0 R 1466 0 R 1467 0 R] 332 0 obj /Pg 42 0 R >> endobj /Type /StructElem 456 0 obj /P 3 0 R However, payments are not always accessible. >> 172 0 obj /S /L /S /P /F5 525 0 R << /Type /StructElem /CS /DeviceRGB 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. << 393 0 obj /S /Transparency /S /Footer /P 3 0 R /K [1400 0 R 1401 0 R 1402 0 R] /K [1364 0 R] /K [1389 0 R] /Pg 30 0 R 109 0 obj /Type /StructElem /Contents 677 0 R >> /K [1322 0 R 1323 0 R] << /K [5] /K [1159 0 R 1160 0 R] Support for global interoperability: Canada is joining numerous countries around the world in adopting ISO 20022 to facilitate cross-border payments, which will also support global competitiveness for Canadian businesses. These Implementation Guidelines are an integral part of the SIC/euroSIC Handbook and therefore also part of the specification for participation in these systems. /Type /StructElem /S /Table /S /Transparency /P 3 0 R 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 endobj The authorization must also: An employees oral authorization or a general statement (blanket authorization) that an employee owes money to the employer under certain circumstances is not sufficient to allow a deduction from wages. /XObject << /Annots [618 0 R 619 0 R] /GS6 518 0 R /Pg 20 0 R endobj G. ACCOUNTING STANDARDS - APPLICABLE FOR ACCOUNTING PERIOD ON OR AFTER 01.04.2021 . /F7 613 0 R /StructParents 97 /S /TOC /Type /StructElem To meet the needs of financial institutions, businesses and their customers, we've developed a rich portfolio of ISO 20022 payment messages. /Type /StructElem /P 3 0 R << endobj 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] /P 3 0 R /K [1586 0 R] 405 0 obj /Type /StructElem endobj 110 [444 0 R 445 0 R] /P 3 0 R >> /Type /StructElem /S /Footer << /S /TOCI /K [7] endobj endobj endobj /P 3 0 R 316 0 obj /S /P /Pg 24 0 R /CS /DeviceRGB /Parent 2 0 R /S /P endobj endobj 7 0 obj 192 0 obj << /S /P endobj /Pg 18 0 R /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] endobj /Pg 39 0 R /Type /StructElem /Type /Page endobj /Pg 33 0 R << << Deadline for submission of change requests for the next SPS release (to be published in February of next year). >> /S /P /Type /StructElem /S /P /F8 614 0 R /DisplayDocTitle true << >> /K [3] /S /Table 385 0 R 386 0 R 387 0 R 388 0 R 389 0 R 390 0 R 391 0 R 392 0 R 393 0 R 394 0 R << As announced in early 2018, JPMorgan Chase will deploy $1.75 billion in philanthropic capital around the world by 2023. /Pg 27 0 R << /Pg 40 0 R endobj /S /P /Type /StructElem 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 << 486 0 obj endobj /Pg 16 0 R << /K [1448 0 R] 227 0 obj /K [912 0 R 913 0 R] /P 3 0 R /F9 615 0 R /F1 520 0 R It supports software providers/corporates and financial institutions in their effort to ensure a high quality of the technical validation of ISO 20022 messages. >> $/?./ '{#~. >> >> 213 0 obj /P 3 0 R endobj >> /K [6] << 2022 Payment Standards Click here for 2022 Payment Standards. /Pg 35 0 R /S /Figure /StructParents 38 endobj /S /P /S /Footer /F2 521 0 R % /S /P << 385 0 obj /Type /StructElem /P 3 0 R /P 3 0 R /F12 622 0 R /P 3 0 R 63 976 0 R 64 977 0 R /GS6 518 0 R /S /P << /Pg 27 0 R /ExtGState << /Type /StructElem >> /K [997 0 R 1007 0 R 999 0 R] 1277 0 R 1278 0 R 1279 0 R 467 0 R] /P 3 0 R >> /K [20] /Pg 35 0 R /S /Footer /P 3 0 R An employer is not permitted to deduct more than the applicable statute allows and cannot make deductions if the money is not remitted to the proper authority. 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 14 0 obj 338 0 obj /S /P /Contents 649 0 R /P 3 0 R << /P 3 0 R /Dialogsheet /Part /K [1226 0 R 1227 0 R] /K [1333 0 R] /S /Table /Type /StructElem 252 0 obj >> /Type /StructElem 344 0 obj /S /Transparency << endobj /Type /StructElem /S /P /Pg 12 0 R /P 3 0 R /K [12] /Pg 41 0 R << >> endobj endobj Tell us what you think about the information on this page and how youre using it. 193 0 obj /P 3 0 R 87 [248 0 R 249 0 R 250 0 R 251 0 R 252 0 R 253 0 R 254 0 R 255 0 R 256 0 R 257 0 R /K [11] /K [866 0 R 765 0 R] 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). 70 0 obj /Type /Pages /K [1369 0 R] /K [932 0 R 917 0 R] /K [1458 0 R] >> In these situations, the employment contract or the practice of the employer often provide that the commission or bonus is not due and owing or earned until some future event has occurred. << >> /K [13] >> 54 953 0 R endobj /Pg 28 0 R /P 3 0 R /S /P /S /P The Business Rules for credit transfers, SEPA direct debits and Cash Management describe from a business perspective the business cases with the parties involved and the messages used (payment types) and list the most important validation rule and error handling. /Type /StructElem endobj /K [1491 0 R 1492 0 R 1493 0 R] /Type /StructElem >> /F5 525 0 R >> endobj 165 0 obj 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. /MediaBox [0 0 595.32 842.04] /Type /StructElem /Type /StructElem /S /P /P 3 0 R 147 0 obj /K [1546 0 R 1547 0 R 1548 0 R] /Pg 28 0 R << >> How will the new ISO 20022 payment messaging standards accommodate enhanced remittance data? /S /Header /Type /Page /K [750 0 R 751 0 R] >> /Type /StructElem /K [14] /P 3 0 R /F10 616 0 R /Pg 19 0 R /S /P 343 0 obj /Type /Page /P 3 0 R /Type /Page /XObject << /StructParents 92 /ExtGState << 292 0 obj /Type /StructElem 387 0 obj << /K [8] /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 20022.1, View the Text Version >> 1117 0 R 1118 0 R] 844 0 R 845 0 R 846 0 R 1313 0 R 699 0 R 1314 0 R 1315 0 R] /Type /StructElem 510 0 obj /Names [(Note 1) 196 0 R (Note 2) 320 0 R (Note 3) 330 0 R] /Pg 26 0 R >> /Type /Page 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. >> /K [879 0 R 801 0 R] /P 3 0 R /Group << 62 0 obj 156 0 obj >> /Image247 688 0 R 719 0 R 720 0 R 721 0 R 722 0 R 723 0 R 724 0 R 725 0 R 726 0 R 727 0 R 728 0 R /Type /StructElem /CreationDate (D:20220316195851+01'00') /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] /P 3 0 R /Font << 189 0 obj 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 << >> << >> /Resources << /P 3 0 R /Pg 36 0 R Complete package, incl. 334 0 obj /Type /StructElem 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] /F9 615 0 R 483 0 obj /F1 520 0 R /P 3 0 R /Font << /Outlines 4 0 R /MediaBox [0 0 595.32 842.04] /Type /StructElem /S /Figure /Pg 12 0 R /S /H3 /XObject << /P 3 0 R /F5 525 0 R 99 1224 0 R 462 0 obj 15 860 0 R 16 861 0 R 17 862 0 R 18 863 0 R 19 864 0 R /S /P >> << /F1 520 0 R << /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /S /Header /S /P hbbd```b``"'I"Y)`L.,`v;Do ~`4Adm?O@q0,Hwkc`bd` x'@ @ /Pg 28 0 R /Type /StructElem >> /Type /StructElem This is called payment in arrears. /S /H3 >> /S /H2 endobj /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] 97 0 obj /Type /StructElem /MediaBox [0 0 595.32 842.04] 475 0 obj endobj 514 0 obj /F5 525 0 R << >> >> 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. /F4 523 0 R >> 446 0 obj /P 3 0 R /Pg 40 0 R << 104 1239 0 R /Type /StructElem /Annots [662 0 R] View Infographic Version. /Pg 24 0 R /F2 521 0 R << /GS9 519 0 R >> 407 0 obj /Type /StructElem /Type /StructElem 280 0 obj 35 880 0 R 36 881 0 R 37 882 0 R 38 [883 0 R 884 0 R 885 0 R 886 0 R 887 0 R 888 0 R 889 0 R 890 0 R 891 0 R 892 0 R /F1 520 0 R 433 0 obj /CS /DeviceRGB /Type /StructElem endobj 508 0 obj FY2023 Payment Standards Housing Choice Voucher Program Effective January 1, 2023 75051 1100 1166 1375 1738 2266 2606 2946 3286 3626 3966 75052 1430 1540 1815 2332 2992 3441 3890 4338 4787 5236 75053 1287 1375 1628 2090 2673 3074 3475 3876 4277 4678 75054 1815 2035 2398 3179 3927 4516 5105 5694 6283 6872 /GS6 518 0 R /Pg 41 0 R endobj /P 3 0 R /Pg 14 0 R 28 0 obj /ExtGState << /Type /StructElem /K [1469 0 R] /Meta15 517 0 R << endobj 383 0 obj 368 0 obj /Pg 25 0 R /F4 523 0 R However, the significance of the shift will unfold over the next few years. /F4 523 0 R << 103 0 obj /S /Transparency /P 3 0 R 89 0 obj 78 0 obj /Meta15 517 0 R The boards direction and approval are also sought for significant changes in policy related to ISO 20022. 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 13 0 R /StructParents 87 endobj /Pg 30 0 R /Type /StructElem >> 1258 0 R 1259 0 R 1260 0 R 1261 0 R 1262 0 R 438 0 R 439 0 R 1263 0 R 1264 0 R 1265 0 R /Pg 34 0 R /A 1558 0 R >> /Type /StructElem /P 3 0 R /Pg 41 0 R /Meta15 517 0 R /F5 525 0 R >> endobj endobj /Contents 646 0 R /P 3 0 R endobj /Type /Group /S /Header /Pg 34 0 R /Resources << /Alt () endobj >> /S /P /P 3 0 R << >> 325 0 obj 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. /K [983 0 R 984 0 R] endobj << >> The definitions for the bank-to-customer message report (Cash Management) cover the electronic account statement as well as the debit and credit notifications. 6 851 0 R 7 852 0 R 8 853 0 R 9 854 0 R /Pg 12 0 R /Type /Group /K [7] << 173 0 obj /K [11] /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /F4 523 0 R /S /P /Pg 29 0 R /Pg 41 0 R << 165 0 R 166 0 R 167 0 R 168 0 R 169 0 R 170 0 R 171 0 R 172 0 R 173 0 R 174 0 R /XObject << >> /Type /StructElem An employees written authorization must state that the employer may make a deduction from their wages. /Worksheet /Part << endobj /P 3 0 R /Pg 25 0 R /P 3 0 R endobj /P 3 0 R /P 3 0 R endobj << >> endobj >> << 480 0 obj 148 0 obj endobj HPHA has increased all payment tiers between six percent and twelve percent over the original 2022 payment standards that were adopted by the Board in September 2021 and went into effect January 1, 2022. << /S /Footer /P 3 0 R endobj /S /Transparency 10 0 obj 218 0 R 219 0 R 220 0 R] 347 0 obj 200 0 obj /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] << 355 0 obj These tasks are important in ensuring workforces are paid accurately and on time throughout the year. The exchange of more remittance information with payments offers the potential for: Standards play an important role in the development and facilitation of business through the promotion of safety, quality and technical compatibility. /F8 614 0 R /Pg 34 0 R /K [40] /F10 616 0 R 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.
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