2022 payment standards

423 0 obj /P 3 0 R << /K [6] /Font << << /Meta221 667 0 R 41 0 obj /MediaBox [0 0 595.32 842.04] endobj /Pg 28 0 R >> << << << >> /Pg 28 0 R /K [1369 0 R] >> /K [21] /S /Transparency 151 0 obj /XObject << /Pg 32 0 R Our issuing processing is precisely tailored to cardholders needs. /S /P /P 3 0 R /F2 521 0 R /Type /StructElem 232 0 obj >> /S /P /Pg 28 0 R >> The Payment Standard refers to the maximum amount of subsidy HPD will pay for an apartment of the same size. /Pg 33 0 R 178 0 obj /Group << /Type /StructElem /Meta190 640 0 R This material is for discussion purposes only and is incomplete without reference to the other briefings provided by JPMorgan. /K [14] /Pg 15 0 R /F1 520 0 R 472 0 obj /P 3 0 R endobj /F9 615 0 R /K [4] endobj To optimize the benefits of ISO 20022 in Canada, weve committed to maintaining the most recent versions of the messages in our portfolio. /K [2] endobj For general inquiries regarding JPMorgan Chase & Co. or other lines of business, please call +1 212 270 6000. /MediaBox [0 0 595.32 842.04] /Parent 2 0 R endobj /K [1568 0 R 1569 0 R 1570 0 R] /Pg 37 0 R /Type /StructElem /Annots [662 0 R] /MediaBox [0 0 595.32 842.04] /S /Header endobj /XObject << /S /Header /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] endobj /MediaBox [0 0 595.32 842.04] 167 0 obj /P 3 0 R /Type /StructElem >> endobj 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. /S /P /Pg 12 0 R >> /Pg 36 0 R << << /S /H2 /Type /StructElem /S /TOCI /S /P >> /Type /StructElem /Image247 688 0 R /Contents 656 0 R 106 [403 0 R 404 0 R 405 0 R 1242 0 R 1243 0 R 407 0 R] endobj /Type /StructElem /Annots [605 0 R 606 0 R 607 0 R 608 0 R 609 0 R 610 0 R 611 0 R] /P 3 0 R /P 3 0 R /S /Transparency /Type /StructElem /K [1552 0 R 1553 0 R] >> Canadas core payments infrastructure has supported our industry for decades with good performance and clearing and settlement cycles, but Canadas economy is being reshaped by digital technology, changing user demands, new entrants and changing regulatory oversight. endobj /Type /StructElem /P 3 0 R /Pg 33 0 R endobj 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 endobj 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 endobj /Type /StructElem /CS /DeviceRGB /P 3 0 R >> /K [1410 0 R 1411 0 R 1412 0 R] /Type /StructElem The Huntsville Housing Authority administers approximately 1,606 vouchers. /Type /StructElem /Type /StructElem >> /A 1580 0 R /K [7] /F7 613 0 R endobj /S /P /S /P 1277 0 R 1278 0 R 1279 0 R 467 0 R] 262 0 obj /Group << They start on the Thursday after a payday, and end on the Wednesday 2 weeks later (on the payday). In such cases, the commission or bonus is not earned in the pay period in which the sales are actually made. 374 0 obj /P 3 0 R 111 0 obj /S /P /S /Footer /S /P /Pg 31 0 R The definitions on credit transfers (Payment Initiation) cover the entire Swiss payment traffic and enable the submission of payment orders (including SEPA). /S /P /S /Footnote /Type /StructElem /Group << >> /Type /StructElem << /Pg 32 0 R /Parent 4 0 R /P 3 0 R 492 0 obj /StructTreeRoot 3 0 R >> /Alt () /P 3 0 R /P 3 0 R 115 0 obj Effective January 1, 2022, the rate for the contribution related to labour standards is 0.06%. /Type /StructElem endobj /F2 521 0 R << /K [1404 0 R] >> /K [871 0 R 781 0 R] 196 0 obj /Pg 12 0 R /S /P On a payday, you are getting paid for the pay period that ended 2 weeks before. >> /StructParents 2 /S /Footer 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 /F1 520 0 R /F4 523 0 R endobj /Pg 32 0 R /P 3 0 R /Pg 25 0 R /F9 615 0 R /Type /StructElem << << /Type /StructElem The Company should examine the specific restrictions and limitations under the laws of its own jurisdiction that may be applicable to the Company due to its nature or to the products and services referred herein. /K [870 0 R 773 0 R] /K [35] 455 0 obj /XObject << endobj /P 3 0 R << /Type /StructElem 448 0 obj /S /P /K [1274 0 R 1280 0 R 1276 0 R] /P 3 0 R /Pg 12 0 R /Type /StructElem 431 0 obj Nationally, the average FMR increased by about 10 percent. << 308 0 obj 296 0 obj /K [1389 0 R] /K [4] Stephen Lindsay, Head of Standards, SWIFT. endobj /Pg 12 0 R /GS6 518 0 R >> endobj /Pg 26 0 R /Pg 21 0 R /S /P /K [7] endobj /K [12] /K [0] 89 0 obj /F2 521 0 R /GS9 519 0 R 482 0 obj /Type /StructElem 172 0 obj 344 0 obj >> 335 0 R 1204 0 R 1204 0 R 1205 0 R 1205 0 R 1206 0 R 1206 0 R 1207 0 R 1207 0 R 1208 0 R >> /F4 523 0 R /Type /StructElem /Type /StructElem >> /P 3 0 R /Type /StructElem /Type /StructElem /Pg 18 0 R /GS9 519 0 R /S /Header /P 3 0 R /K [12] /P 3 0 R /S /P /S /TOCI /Type /StructElem /Resources << /Resources << /Pg 27 0 R >> /K [5] /Pg 42 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 /Dest [41 0 R /XYZ 61 728 0] /K [876 0 R 791 0 R] /Type /StructElem /F5 525 0 R endobj >> 309 0 obj /Type /StructElem endobj 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 endobj >> /Type /StructElem >> /Type /StructElem /P 3 0 R /Pg 31 0 R endobj << >> 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 /S /Header /S /P /K [54] /Type /StructElem /XObject << 5 0 obj endobj >> >> 166 0 obj endobj /A 1526 0 R << << /S /L /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] << /Pg 36 0 R /Pg 34 0 R /K [6] 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. /K [1147 0 R 1146 0 R] /S /P 105 0 R 106 0 R 107 0 R 108 0 R 109 0 R 110 0 R 111 0 R 112 0 R 113 0 R 114 0 R /S /TOCI However, payments are not always accessible. Further information on formal, operational and technical aspects of participation in the SIC or euroSIC system are available on the password-protected extranet of SIX Interbank Clearing Ltd. A modular approach is used for the structure of the Implementation Guidelines. << /S /Transparency 69 0 obj /XObject << /GS6 518 0 R /Pg 32 0 R /Pg 23 0 R >> /Pg 38 0 R Corporate creditor identification number database. /Type /StructElem /K [7] /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] /Workbook /Document /S /Header << 509 0 obj << >> direct deposit, which includes Interac e-Transfer, into the employee's account at a bank or other financial institution. endobj 479 0 obj /Pg 13 0 R /K [1065 0 R 1066 0 R] /CS /DeviceRGB 11 0 obj >> /Type /StructElem /K [1409 0 R] `]`ZJ D XD 2lWH $^``bd`4 /S /H3 /P 3 0 R >> /DestOutputProfile 515 0 R /K [14] /Type /StructElem /Pg 18 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. >> >> >> endobj /F1 520 0 R /A 1576 0 R 408 0 obj >> >> >> /F4 523 0 R /S /P /S /Header /GS9 519 0 R 0 353 0 obj /Pg 12 0 R /K [24] /P 3 0 R /Pg 26 0 R >> /P 3 0 R 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 275 0 R 276 0 R 277 0 R 278 0 R 279 0 R 280 0 R 281 0 R 282 0 R 283 0 R 284 0 R endobj /Parent 2 0 R >> /K [1470 0 R 1471 0 R 1472 0 R] /K [13] >> /F5 525 0 R /P 3 0 R >> << /P 3 0 R /P 3 0 R /S /L /Type /StructElem /Meta15 517 0 R 199 0 obj /S /Header 202 0 obj << << >> endobj /Pg 26 0 R /K [1405 0 R 1406 0 R 1407 0 R] /Type /StructElem /S /Figure /Type /StructElem /CS /DeviceRGB /P 3 0 R >> << /Parent 2 0 R << /P 3 0 R /K [1355 0 R 1356 0 R 1357 0 R] /K [1434 0 R] /Pg 13 0 R endobj /Type /StructElem /Type /StructElem endobj >> 302 0 obj /F4 523 0 R >> /K [2] 438 0 obj /P 3 0 R /Type /Group /S /H3 /Pg 32 0 R /Type /StructElem Corporate creditor identification number database. >> endobj 455 0 R 456 0 R 457 0 R 458 0 R 459 0 R 460 0 R 461 0 R 462 0 R 463 0 R 464 0 R /Font << endobj 346 0 obj 40 0 obj /Parent 2 0 R 360 0 obj /CS /DeviceRGB 85 1064 0 R 86 [1065 0 R 1066 0 R 240 0 R 241 0 R 1067 0 R 1068 0 R 243 0 R 244 0 R 245 0 R 1069 0 R /K [1398 0 R] 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] 357 0 obj /F10 616 0 R /ExtGState << 6 851 0 R 7 852 0 R 8 853 0 R 9 854 0 R 75 0 obj /Parent 2 0 R /Type /StructElem << /F7 613 0 R 214 0 obj /Pg 17 0 R /P 3 0 R As high value clearing systems and SWIFT cross-border formats migrate to ISO 20022, a more seamless cross-border data conversation is in store. << endobj << >> /Type /Group /Type /StructElem In 2022, Payments Canada systems cleared and settled $119 trillion or $476 billion every business day. /P 3 0 R << 15 0 obj 49 0 obj /Pg 37 0 R /S /Figure 14 0 obj /StructParents 73 45 926 0 R 46 927 0 R 47 928 0 R 48 929 0 R 49 930 0 R 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. /F10 616 0 R /Annots [618 0 R 619 0 R] << endobj /S /P /GS9 519 0 R << << << >> << /Image251 692 0 R /P 3 0 R Complete package, incl. /Type /StructElem >> /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 The specifications to the bank-to-customer message report (cash management) cover the electronic account statements, the debit authorizations and credit advices. 395 0 obj In the future, as more payment schemes adopt ISO 20022 messages, well review our maintenance schedule to ensure it remains appropriate. 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] /Chartsheet /Part /S /Figure 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). /S /P 481 0 obj /S /Footer endobj /Pg 42 0 R endobj Please review its terms, privacy and security policies to see how they apply to you. /S /TOCI >> /P 3 0 R Neither this material nor any of its contents may be disclosed or used for any other purpose without the prior written consent of JPMorgan. /S /Transparency /Pg 41 0 R /MediaBox [0 0 595.32 842.04] endstream endobj 303 0 obj <>/Metadata 5 0 R/Outlines 9 0 R/PageLayout/OneColumn/Pages 300 0 R/StructTreeRoot 12 0 R/Type/Catalog>> endobj 304 0 obj <>/Font<>/XObject<>>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 305 0 obj <>stream /S /P /S /H4 >> endobj endobj /Type /StructElem 240 0 obj 82 0 obj 326 0 obj /P 3 0 R /Type /StructElem 218 0 R 219 0 R 220 0 R] /Pg 37 0 R 267 0 obj /Type /StructElem /Pg 33 0 R 350 0 obj << /Pg 13 0 R /CS /DeviceRGB /Pg 32 0 R 506 0 obj 458 0 obj /K [0] /Pg 27 0 R endobj /Type /StructElem >> endobj 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. /Pg 17 0 R /Pg 22 0 R /CS /DeviceRGB 235 0 obj << /K [13] /Meta213 659 0 R 68 0 obj Automated reconciliation of incoming payments with outstanding invoices, Easier payment tracking, issue resolution and system reconciliation for both customers and financial institutions, Consistency in providing remittance information, resulting in efficiency and cost benefit. endobj /Pg 35 0 R /Pg 13 0 R /K [29] /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] endobj /Type /StructElem /S /P The FMRs for the affected areas are revised as follows: Expand Table 361 0 obj SIX Is the Go-To-Market Partner for ATM and Cash Solutions. /S /Figure << << 247 0 obj 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. 334 0 obj /S /P /K [0] << 1 Fast Facts: ISO 20022 >> /S /P /ExtGState << /Pg 16 0 R << /S /TOCI /K [1530 0 R 1531 0 R] << /Pg 12 0 R endobj /Pg 28 0 R /StructParents 5 endobj << /K [2] << /K [1443 0 R] How will the new ISO 20022 payment messaging standards accommodate enhanced remittance data? >> /K [13] 7 0 obj /P 3 0 R << endobj << >> << << >> /Type /StructElem /Group << /GS9 519 0 R >> 134 0 obj << 1070 0 R 1071 0 R 1072 0 R 1073 0 R 1074 0 R 1075 0 R 247 0 R] /K [12] /CS /DeviceRGB Release Notes, dated 20 February 2023) and published on the password-protected extranet of SIX Interbank Clearing Ltd. Payments Canada ensures that these financial transactions in Canada are carried out safely and securely. /P 3 0 R << >> >> /Type /StructElem 378 0 obj 339 0 obj >> 433 0 obj /S /P >> /K [1155 0 R 1156 0 R] It allows financial institutions to ensure a high quality of the technical validation of ISO 20022 interbank messages. /P 3 0 R /S /P endobj /Type /StructElem /Type /StructElem >> 100 0 obj /Pg 21 0 R /K [5] /K [875 0 R 789 0 R] >> /GS6 518 0 R 471 0 obj /Pg 40 0 R << << /Type /StructElem /Resources << 164 0 obj 182 0 obj endobj >> /K [10] All Rights Reserved. /Contents 673 0 R /Meta219 665 0 R /P 3 0 R 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. /Type /StructElem << >> )-d#obmwG8 117 0 obj 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 441 0 obj 108 [421 0 R 422 0 R 423 0 R 424 0 R 425 0 R 426 0 R 427 0 R 428 0 R 429 0 R 1246 0 R /P 3 0 R >> They are also intended to provide organizations with some foundational and technical resources to formulate their own unique business case for the modernization of their internal processes. /P 3 0 R /Type /StructElem /S /P The Canadian economy depends on the exchange of billions of dollars each day. >> /S /TOCI >> /Contents 620 0 R endobj endobj /S /H3 /F4 523 0 R 4 0 obj /Resources << /Pg 27 0 R >> /P 3 0 R >> /P 3 0 R endobj For more information on the ISO 20022 message portfolio or the maintenance process, please contact ISO20022@payments.ca. /Annots [641 0 R] /Pg 32 0 R /Pg 13 0 R << << 336 0 obj >> endobj /K [1454 0 R] The SPS annual release definitions published in February are supported by the banks as of the SIC release date. /F1 520 0 R >> endobj 2023 Fair Market Rents. /P 3 0 R Nobody other than the employee can have access to the account unless the employee has authorized it. /P 3 0 R >> /F7 613 0 R /K [912 0 R 913 0 R] /Type /StructElem /F1 520 0 R /Pg 29 0 R /P 3 0 R /K [6] /S /Footer << Implementing and supporting these standards is costly. /K [1481 0 R] 94 1157 0 R /XObject << /Type /StructElem /P 3 0 R /S /TOCI 495 0 R 496 0 R 500 0 R 504 0 R 508 0 R] 54 0 obj /Type /StructElem /Parent 2 0 R 128 0 obj /StructParents 117 endobj >> endobj /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /Pg 16 0 R 325 0 obj /CS /DeviceRGB >> << >> /Type /StructElem /Author () 149 0 obj endobj /Type /Group /Type /StructElem /Type /StructElem >> /K [1557 0 R] /P 3 0 R /Meta211 657 0 R 401 0 obj << Payments Canada is leading the effort to introduce ISO 20022 an international standard designed to simplify global business communication for payments in Canada. /Pg 35 0 R /Pg 27 0 R /K [2] /S /Header /XObject << 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. /Contents 642 0 R 385 0 obj >> /K [7] 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 19 0 R It isn't a new standard as real-time, high-value payment systems have already adopted ISO 20022. 210 0 obj /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 /K [778 0 R 779 0 R] /P 3 0 R >> /S /Transparency << /S /Header /Type /StructElem endobj /S /Transparency /S /H3 313 0 obj << endobj /P 3 0 R endstream endobj startxref >> /S /Footer /S /L << Seniors will receive an extra $225 on average. << << /Resources << 0 endobj /P 3 0 R 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. /Type /Page 486 0 obj /S /P /P 3 0 R /Pg 35 0 R /K [1226 0 R 1227 0 R] endobj >> /Pg 37 0 R >> /Font << 429 0 obj /Type /StructElem endobj /Pg 20 0 R >> endobj endobj Effective March 8, 2022 . 201 0 obj /F10 616 0 R /S /TOC /S /H1 endobj /K [1408 0 R] 388 0 obj /K [18] 331 0 obj /MediaBox [0 0 595.32 842.04] /Type /StructElem /Pg 42 0 R endobj /K [1543 0 R 1544 0 R 1545 0 R] >> Sending and receiving robust payment details is critical not only for interoperability, but also for improving the client experience and screening measures. Follow J.P.Morgan Chase & Co. on Facebook, : opens new window to JPMorgan Chase Careers. /Pg 17 0 R /Pg 41 0 R >> /K [16] /P 3 0 R /Type /StructElem /Pg 24 0 R 53 0 obj /Pg 42 0 R 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 endobj /S /P /F7 613 0 R /Pg 34 0 R /K [3] /Resources << /P 3 0 R /K [1563 0 R 1564 0 R 1565 0 R 1566 0 R] /F1 520 0 R /S /Footer 489 0 obj /Contents 649 0 R endobj >> 319 0 obj << How does Payments Canada manage the ISO 20022 payment messages? >> /GS6 518 0 R /CS /DeviceRGB endobj /GS9 519 0 R /Type /StructElem endobj The employer must also keep a record of that information. /Resources << /Type /StructElem /K [1465 0 R 1466 0 R 1467 0 R] 261 0 obj >> 17 0 obj 137 0 obj << /P 3 0 R /F10 616 0 R /Type /StructElem /Pg 16 0 R >> What does ISO 20022 mean for the payments industry? /P 3 0 R /Type /StructElem endobj 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 endobj /Type /StructElem /K [5] >> endobj endobj /StructParents 107 /Resources << /ExtGState << >> >> /P 3 0 R >> /Pg 18 0 R /S /Footer /StructParents 0 >> << /P 3 0 R /F7 613 0 R /S /TOCI /P 3 0 R endobj << /K [1228 0 R 1229 0 R] /Pg 17 0 R /Group << /ExtGState << /K [1000 0 R 1001 0 R] >> /Type /StructElem /S /P >> /K [1370 0 R 1371 0 R 1372 0 R] /K [1] /S /H3 /P 3 0 R >> /Resources << /Footer /Sect endobj /S /TOCI /Pg 27 0 R /S /Header hbbd```b``"'I"Y)`L.,`v;Do ~`4Adm?O@q0,Hwkc`bd` x'@ @ >> /Pg 12 0 R 30 875 0 R 31 876 0 R 32 877 0 R 33 878 0 R 34 879 0 R /Type /StructElem /Type /StructElem 48 0 obj /Type /StructElem /Length 2593 >> >> >> /Pg 42 0 R endobj /S /Footer 277 0 obj >> /Pg 32 0 R /MSIP_Label_61354688-28ff-43f9-ae7a-258f2522a8ce_Name (C1 Public) /XObject << << /S /Footer To meet the needs of financial institutions, businesses and their customers, weve developed a rich portfolio of ISO 20022 payment messages. /S /P /P 3 0 R /S /P 147 0 obj /F5 525 0 R << /Type /StructElem /StructParents 91 /P 3 0 R /Type /StructElem /P 3 0 R /Pg 24 0 R /Type /Group /Type /StructElem /S /P /XObject << /S /TOCI 177 0 obj 24 C.F.R. /K [1] >> << /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] However, the significance of the shift will unfold over the next few years. 510 0 obj Canadian financial institutions will be able to leverage the initial investments in ISO 20022 as it is rolled out across global services and systems, enhancing or easing access to international markets and customers. /S /Footer /Type /StructElem 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 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 /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /S /P << endobj 250 0 obj /K [1244 0 R 1245 0 R] /XObject << /S /P /K [2] If the wages are paid by direct deposit, the employees account must be their name. /Type /StructElem << /Pg 34 0 R endobj /S /TOCI /StructParents 106 /Type /StructElem /K [1394 0 R] The federal government recently announced that GST credit amounts will be doubled for a 6 month period this year. >> /S /TOCI What is Payments Canadas Strategy for adoption of ISO 20022? 244 0 obj /Type /StructElem /P 3 0 R Payments Canada will monitor implementation rates to determine if a mandated end-date for ISO AFT adoption is required to ensure the industry transition to the new payments standard is completed in a timely manner. /S /P /P 3 0 R << 193 0 obj << /Type /StructElem >> 113 0 obj /S /Footer /Type /StructElem /P 3 0 R /K [1393 0 R] /P 3 0 R /Pg 20 0 R 1194 0 R 1195 0 R 1196 0 R 321 0 R 322 0 R 1197 0 R 1198 0 R] /ExtGState << /Contents 677 0 R /S /P /Meta186 636 0 R /Type /StructElem /StructParents 86 Unclear country information and unstructured data, Increased transparency, enhanced bank-to-bank communication and automated payments reconciliation. /K [0] >> 495 0 obj /Type /StructElem >> /Pg 31 0 R 381 0 obj /K [7] /Pg 39 0 R endobj 2020 JPMorgan Chase & Co. All Rights Reserved. /S /Transparency 144 0 obj /P 3 0 R 275 0 obj >> /K [6] /Image5 516 0 R endobj 1 /Pg 27 0 R << /Type /StructElem /S /P /K [5] 16 0 obj endobj 391 0 obj /K [1546 0 R 1547 0 R 1548 0 R] 224 0 obj /Type /StructElem /K [16] << 161 0 obj /K [985 0 R 986 0 R] /Type /StructElem /Pg 28 0 R /K [1478 0 R] 145 0 obj /Lang (en-US) endobj /Pg 13 0 R /MediaBox [0 0 595.32 842.04] >> /Pg 33 0 R /Pg 12 0 R Why is Payments Canada implementing ISO 20022 in Canada? /Type /StructElem /K [1] /GS6 518 0 R /Pg 20 0 R /K [7] /P 3 0 R /F8 614 0 R << << 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. 328 0 obj /S /P endobj An employees written authorization must state that the employer may make a deduction from their wages. 415 0 R 416 0 R 417 0 R 418 0 R 419 0 R 420 0 R 421 0 R 422 0 R 423 0 R 424 0 R >> /S /Footer << Using a single standard decreases the complexity and cost associated with supporting multiple standards over time. << /Pg 22 0 R 816 0 R 817 0 R 818 0 R 819 0 R 820 0 R 821 0 R 822 0 R 823 0 R 824 0 R 825 0 R /S /Transparency /Pg 30 0 R /Type /StructElem /GS9 519 0 R In 2022, Payments Canada continued to demonstrate operational excellence by keeping Canadas payment systems Payments Canada welcomes Jude Pinto to its Executive Leadership Team in the role of Chief Delivery Officer, effective May 8, 2023. << /GS6 518 0 R /Pg 40 0 R >> /S /P /Type /Page /Pg 12 0 R /Pg 42 0 R /Type /StructElem endobj MARKET RESEARCH 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 /P 3 0 R >> >> endobj /K [7] /Type /StructElem 94 0 obj 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. 24 0 obj >> /F2 521 0 R /S /H4 endobj 501 0 obj /S /P /GS6 518 0 R /F7 613 0 R endobj /K [880 0 R 803 0 R] /S /P /S /P /K [17] /F2 521 0 R /Type /StructElem << endobj 398 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. >> /K [1430 0 R 1431 0 R 1432 0 R] /F9 615 0 R endobj >> >> endobj 322 0 obj endobj 406 0 obj << 25 0 obj << /K [4] << /F8 614 0 R /P 3 0 R << /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /K [8] /Type /StructElem << /S /P /Pg 37 0 R >> 184 0 obj /S /Table /F5 525 0 R /Pg 27 0 R 155 0 obj /S /Figure << /K [1340 0 R 1341 0 R 1342 0 R 1343 0 R 1344 0 R 1345 0 R 1346 0 R 1347 0 R 952 0 R] /StructParents 88 /Type /StructElem /Parent 2 0 R /StructParents 98 << 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. /Pg 16 0 R /K [1429 0 R] /K [1234 0 R 1239 0 R 1236 0 R] /S /L /Type /StructElem >> /S /P /S /P /P 3 0 R /F7 613 0 R 111 [1266 0 R 1267 0 R 1268 0 R 1269 0 R 448 0 R 449 0 R 450 0 R 451 0 R 1270 0 R 1271 0 R /Image249 690 0 R >> /P 3 0 R 58 0 obj /S /Table >> /S /TOCI /K [1233 0 R 1232 0 R] /Type /StructElem /A 1529 0 R /Pg 27 0 R << 445 0 obj 402 0 obj View Infographic Version. >> /Type /StructElem /S /TOCI 587 0 R 588 0 R 589 0 R 590 0 R 591 0 R 592 0 R 593 0 R 594 0 R] >> /K [10] Supplement for single adults. /Pg 16 0 R 60 959 0 R 61 960 0 R 62 [112 0 R 961 0 R 962 0 R 963 0 R 964 0 R 965 0 R 966 0 R 967 0 R 968 0 R 969 0 R Where can I find the Payments Canadas ISO 20022 messages? 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. << >> 106 0 obj << /Type /StructElem /K [1022 0 R 1023 0 R] endobj /S /H2 /Pg 21 0 R /Type /StructElem There are many reasons why Canadian businesses and payroll practitioners mark their calendars with the upcoming statutory holiday schedule - like adhering to legislated time off for staff, applying holiday pay rates, and knowing if payroll processing dates are altered. /P 3 0 R /S /P << /Font << 417 0 obj endobj 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. >> endobj >> /Pg 16 0 R /S /Figure endobj The Financial Institutions Branch Directory (FIBD) provides routing numbers and addresses for branches of all Canadian financial institutions. endobj /Pg 26 0 R /F4 523 0 R endobj 92 0 obj 104 0 obj endobj << /Resources << /Pg 16 0 R /Type /Group /Pg 36 0 R /Pg 40 0 R endobj /K [928 0 R 905 0 R] /F4 523 0 R /XObject << /K [1358 0 R] 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). << /K [1373 0 R] /Pg 18 0 R /P 3 0 R /S /P /Type /StructElem /P 3 0 R /F8 614 0 R /S /P /P 3 0 R The ISO 20022 standard was developed by ISO (International Organization for Standardization), which is the worlds largest developer of voluntary International Standards. /P 3 0 R << /StructParents 97 /Pg 12 0 R >> >> 191 0 obj endobj /Type /Page 132 0 obj For example, employers are required to make deductions for income taxes, employment insurance premiums and Canada Pension Plan contributions. /P 3 0 R endobj /ExtGState << It isnt a new standard as real-time, high-value payment systems have already adopted ISO 20022. The digitization of payments can 2022 PAYMENTS CANADA. endobj 436 0 obj 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. endobj /A 1532 0 R endobj Payment Standards are used to calculate how much rent subsidy the LACDA can pay an owner on behalf of a Section 8 tenant. >> The Canadian economy depends on the exchange of billions of dollars each day.

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