>> endobj In 2022, Payments Canada systems cleared and settled $119 trillion or $476 billion every business day. 461 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 /P 3 0 R /Type /StructElem /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /K [10] /K [28] << /P 3 0 R << /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] GST payment dates for 2023 occur every quarter on: January 5, 2023; April 5, 2023; July 5, 2023; October 5, 2023; You can learn more about the GST/HST credit. >> /P 3 0 R /Type /StructElem << /P 3 0 R /Type /Page << /P 3 0 R 465 0 obj /Pg 24 0 R endobj The Implementation Guidelines of the SIC Platform Release 4.10 consist of the "Base Document" and 21 associated module documents. 1132 0 R 1133 0 R 1134 0 R 1135 0 R 1136 0 R] 99 1224 0 R 258 0 obj 189 0 obj >> /Pg 25 0 R /Type /StructElem /GS9 519 0 R << endobj >> >> >> /Pg 29 0 R /Type /StructElem /K [11] /S /Transparency They cover the business areas of cash management reporting and payment instruction placement. Nothing in this material is a solicitation by JPMC of any product or service which would be unlawful under applicable laws or regulations. /K [22] /Type /StructElem endobj /K [8] /Type /StructElem 6 851 0 R 7 852 0 R 8 853 0 R 9 854 0 R >> /P 3 0 R /Pg 30 0 R /K [1454 0 R] 492 0 obj /P 3 0 R /Type /StructElem /Type /StructElem 432 0 obj 502 0 obj endobj /K [1364 0 R] >> /Type /StructElem /Type /StructElem /K [11] /S /P /S /Header /P 3 0 R 392 0 obj /Type /StructElem >> /ExtGState << << In an age of digital transformation, SIX offers secure and convenient payment solutions for a sustainable Swiss financial center. << 95608 $1,320 $1,452 $1,815 $2,574 $3,003 $3,452 95610 $1,397 $1,529 $1,925 $2,739 $3,190 $3,668 endobj /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /P 3 0 R 174 0 obj >> /Type /StructElem /P 3 0 R >> << endobj << 332 0 obj << /S /H3 308 0 obj 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 endobj /S /Header 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 /Type /StructElem /S /TOCI /Type /StructElem /S /H3 >> /S /Table 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), shows the message structures with details of the individual structural elements and lists the most important validation rule and error handling. >> >> /Font << /K [10] /Pg 35 0 R << /P 3 0 R endobj endobj 495 0 R 496 0 R 497 0 R 498 0 R 499 0 R 500 0 R 501 0 R 502 0 R 503 0 R 504 0 R /XObject << /S /P /K [4] endobj /K [1572 0 R 1573 0 R 1574 0 R 1575 0 R] >> /P 3 0 R endobj << << >> << /S /P 497 0 obj /Pg 27 0 R /Pg 16 0 R /S /P /S /P /S /H2 >> /Group << Author: verbitr Created Date: 12/20/2022 12:23:05 PM . To help us do this, weve established a formal maintenance schedule. /MediaBox [0 0 595.32 842.04] /P 3 0 R /Pg 30 0 R endobj >> Even with a signed authorization, an employer cannot make a deduction from wages if: The Ministry of Labour, Immigration, Training and Skills Development advances safe, fair and harmonious workplace practices that are essential to the social and economic well-being of the people of Ontario. /S /P The content of the SIC Platform Release 4.10 dated 17 November 2023, which has been defined and approved by the governing interbank committees, was announced by means of an official circular letter (incl. Theamendments planned up to this point will be published and any feedback will be sought. 472 0 obj /Type /StructElem /Type /StructElem /K [8] >> endobj >> /S /P /S /Header endobj Reference No Description; According to Stephen Lindsay, SWIFT Head of Standards, Major currencies will be operating with ISO before 2025 to reap the benefits.. << /P 3 0 R /P 3 0 R >> >> It allows financial institutions to ensure a high quality of the technical validation of ISO 20022 interbank messages. /P 3 0 R This material is for discussion purposes only and is incomplete without reference to the other briefings provided by JPMorgan. /S /P /Type /StructElem /Type /StructElem 87 0 obj /Type /StructElem 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 >> /P 3 0 R 482 0 obj /Type /StructElem << /P 3 0 R /Type /StructElem /Type /StructElem endobj endobj /S /Footer << /K [36] << The Payment Standards are established by using the U.S. Department of Housing and Urban Development Fair Market Rents. /Pg 41 0 R 111 0 obj >> /ExtGState << >> /S /TOCI << endobj /S /H3 /MediaBox [0 0 595.32 842.04] These messages can be used in Canada to meet the needs of payors and payees in many different payment scenarios. << 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 >> /P 3 0 R >> Payments Canada is pleased to publish its annual report, Facilitating data-rich payments. /Pg 12 0 R 1 Fast Facts: ISO 20022 >> 344 0 obj 417 0 R 418 0 R 419 0 R 420 0 R] /Pg 37 0 R 431 0 obj 486 0 obj 302 0 obj 270 0 obj /S /P >> /Type /StructElem 376 0 obj 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. /Font << endobj >> /Type /StructElem /Pg 15 0 R /Chart /Sect /P 3 0 R /S /Table /S /H2 /GS6 518 0 R /Type /StructElem endobj >> Why is Canada concerned with domestic and cross-border interoperability? /K [1388 0 R] << /S /P << << /S /Figure /Annots [526 0 R 527 0 R] /K [1430 0 R 1431 0 R 1432 0 R] endobj /Type /StructElem /P 3 0 R /K [4] endobj /Type /StructElem /S /H2 /Pg 21 0 R 359 0 obj /S /P >> 587 0 R 588 0 R 589 0 R 590 0 R 591 0 R 592 0 R 593 0 R 594 0 R] 314 0 obj % /K [9] << /MediaBox [0 0 595.32 842.04] 48 0 obj << /P 3 0 R /Pg 35 0 R 512 0 obj /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] >> endobj endobj endobj /Pg 21 0 R /MediaBox [0 0 595.32 842.04] << /K [7] /F2 521 0 R /P 3 0 R the first pay day after the stub period or vacation entitlement year ends, whichever is later. /StructParents 106 68 0 obj /GS9 519 0 R /S /Transparency 356 0 obj << >> /P 3 0 R 494 0 obj /S /Header << >> /Type /StructElem /S /Header >> /K [1375 0 R 1376 0 R 1377 0 R] /S /H3 << >> >> /Pg 30 0 R /Pg 12 0 R 73 0 obj >> /Type /StructElem /S /Header /S /H2 >> endobj /Type /StructElem 452 0 obj ISO 20022 is an international standard designed to simplify global business communication. endobj /OutputConditionIdentifier (sRGB) /S /Transparency << >> /K [4] /F4 523 0 R >> 480 0 obj /Pg 35 0 R /S /P endobj << /S /Footer ISO 20022 will support efficiencies in business processes for business clients. endobj /Pg 21 0 R 475 0 R 476 0 R 477 0 R 478 0 R 479 0 R 480 0 R 481 0 R 482 0 R 483 0 R 484 0 R << Stephen Lindsay, Head of Standards, SWIFT. /K [34] >> /Pg 41 0 R 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. /P 3 0 R /F1 520 0 R << << endobj /GS9 519 0 R /K [1272 0 R 1273 0 R] /Type /Page /ExtGState << 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 /Annots [647 0 R 648 0 R] /K [1475 0 R 1476 0 R 1477 0 R] /A 1567 0 R /P 3 0 R /Type /StructElem 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 /S /P << They start on the Thursday after a payday, and end on the Wednesday 2 weeks later (on the payday). /P 3 0 R /Type /Pages /Type /StructElem >> << << << /Pg 32 0 R /K [7] /S /Header /Contents 639 0 R endobj 238 0 obj << /Type /StructElem /Type /StructElem /K [8] << 398 0 obj /Contents 656 0 R 797 0 R 798 0 R 799 0 R 800 0 R 801 0 R 802 0 R 803 0 R 804 0 R 805 0 R 806 0 R /Group << /K [1322 0 R 1323 0 R] >> >> /Pg 26 0 R endobj 284 0 obj /S /P /Resources << /Type /StructElem /Type /StructElem /S /H3 /Type /StructElem /Pg 13 0 R /Pg 41 0 R Deadline for submission of change requests for the next SPS release (to be published in February of next year). 71 0 obj << Detailed description of the changes implemented to the XML Schema and the pain.002 message, migrating from the previous version (SPS 2021) to SPS 2022 using the ISO 20022 Schema 2019. 93 0 obj /Pg 16 0 R /P 3 0 R /S /Header /P 3 0 R << /P 3 0 R /Font << /P 3 0 R Single Canadians without children will receive up to an extra $234, and couples with two children will receive up to an extra $467. /P 3 0 R 224 0 obj 41 0 obj /Type /StructElem /XObject << ISO 20022 is emerging as a common language and model for financial messages across the world. << /Pg 25 0 R /Pg 12 0 R /Type /StructElem /K [7] /XObject << >> /P 3 0 R 385 0 obj /Pg 17 0 R /F5 525 0 R /F5 525 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. /F1 520 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 /F1 520 0 R /Pg 12 0 R /Resources << /P 3 0 R /S /P /P 3 0 R /K [29] << endobj << /Type /StructElem 218 0 obj /Meta15 517 0 R /Pg 42 0 R << /Pg 17 0 R /K [1] /Pg 16 0 R /GS6 518 0 R /S /Header endobj /Pg 27 0 R << >> /Type /StructElem endobj It is an open standard that anyone can use, and to which anyone can contribute. Notwithstanding anything to the contrary, the statements in this material are not intended to be legally binding. /Type /StructElem /P 3 0 R >> /Group << /Pg 29 0 R << 190 0 obj /Type /Page >> /Pg 22 0 R /S /P endobj /Filter /FlateDecode /K [1408 0 R] /F2 521 0 R >> /Type /StructElem /F5 525 0 R >> endobj /S /H3 /Pg 35 0 R endobj /Pg 33 0 R /Pg 26 0 R endobj << /Group << /P 3 0 R /P 3 0 R Payments Canada ensures that these financial transactions in Canada are carried out safely and securely. /K [1226 0 R 1227 0 R] >> It allows participants and systems across different financial markets (e.g. /K [1438 0 R] /P 3 0 R 82 0 obj 1055 0 R 238 0 R] /F2 521 0 R Payments Canada has adopted ISO 20022 as the standard for electronic payment messages that travel across our infrastructure. endobj The Housing Authority announces each year's Payment Standards around January first. >> /Pg 41 0 R >> endobj /S /P /ViewerPreferences 7 0 R /K [750 0 R 751 0 R] Some employees earn commissions or "bonuses" based on sales made in a pay period. /Type /StructElem /F1 520 0 R /S /P /Contents 651 0 R endobj << /S /TOCI /MediaBox [0 0 595.32 842.04] endobj >> >> endobj >> /Type /StructElem endobj /P 3 0 R /S /Footer /Type /StructElem >> /Pg 30 0 R 419 0 obj >> /Pg 13 0 R 107 0 obj /K [1394 0 R] /MediaBox [0 0 595.32 842.04] /Type /StructElem /MediaBox [0 0 595.32 842.04] /Pg 31 0 R >> Simon Cox, Managing Director of Channels Technology, J.P. Morgan. endobj << /Type /Group /MediaBox [0 0 595.32 842.04] /K [10] 64 0 obj /S /L /K [0] On a payday, you are getting paid for the pay period that ended 2 weeks before. >> /Type /StructElem /S /Footer /K [1009 0 R 1010 0 R] endobj >> /S /H3 << /P 3 0 R /P 3 0 R >> /K [12] /P 3 0 R >> /StructParents 62 These include payments clearing and settlement, payment initiation, cash management, securities trades and settlement, account management and trade services management. /Pg 28 0 R >> /Footnote /Note 349 0 obj << 46 0 obj 844 0 R 845 0 R 846 0 R 1313 0 R 699 0 R 1314 0 R 1315 0 R] /P 3 0 R /K [20] endobj Sending and receiving robust payment details is critical not only for interoperability, but also for improving the client experience and screening measures. 381 0 obj >> /Pg 42 0 R 49 0 obj /P 3 0 R >> >> << 397 0 obj /GS9 519 0 R >> << /Contents 595 0 R endobj >> /P 3 0 R /Type /StructElem << /Pg 32 0 R What does ISO 20022 mean for the payments industry? << /CS /DeviceRGB /StructParents 110 >> /Pg 12 0 R 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 << /P 3 0 R Corporate creditor identification number database. /Footer /Sect >> /P 3 0 R /K [24] 178 0 obj The digitization of payments can 2022 PAYMENTS CANADA. 295 0 obj /Type /StructElem /Pg 13 0 R /GS9 519 0 R /P 3 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. 63 0 obj endobj /F1 520 0 R /K [1600 0 R 1601 0 R] << /Type /OutputIntent /Pg 21 0 R /F4 523 0 R /Type /StructElem << /Pg 19 0 R /GS9 519 0 R >> /P 3 0 R /S /P /Type /StructElem /S /P endobj /P 3 0 R /K [865 0 R 763 0 R] /Type /StructElem /Type /StructElem endobj They consist of a base document with general information concerning all message types, and several module documents one each per ISO 20022 message type or use case with message-specific information, including information on the application-specific handling of individual elements. 323 0 obj /Pg 37 0 R 108 0 obj /Pg 32 0 R >> 264 0 obj << /Type /StructElem /Pg 18 0 R << Pay periods are 10 weekdays. /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 342 0 obj /XObject << >> /F8 614 0 R /S /H3 /K [16] 11 0 obj /Type /StructElem /P 3 0 R endobj /F4 523 0 R 24 C.F.R. /P 3 0 R /P 3 0 R << The payment standard for a family is the lower of: Payment standard for the family unit size indicated on the voucher; or /Pg 28 0 R /S /P << /S /P /F7 613 0 R endobj /Type /StructElem /Pg 36 0 R /Type /StructElem 507 0 obj /P 3 0 R << /S /P >> endobj /Type /StructElem << /Pg 12 0 R >> /K [1418 0 R] /P 3 0 R /K [3] 109 0 obj /Parent 2 0 R It isnt a new standard as real-time, high-value payment systems have already adopted ISO 20022. /P 3 0 R /Meta15 517 0 R endobj As participant financial institutions migrate to the new ISO 20022 messages, on a voluntary basis, they will be required to support and maintain the existing standard as well, during what is known as a coexistence period. /F1 520 0 R << /F9 615 0 R /Pg 16 0 R /Type /StructElem /Type /StructElem /Meta15 517 0 R /Pg 24 0 R 42 0 obj endobj /P 3 0 R /K [896 0 R 897 0 R] /P 3 0 R >> >> /Pg 32 0 R /P 3 0 R 489 0 obj >> /Pg 36 0 R >> /K [6] >> >> << >> >> /K [0] /Type /StructElem endobj 45 0 obj /Font << /S /P /Pg 34 0 R 4 0 obj >> endobj JPMorgan Chase Bank, N.A., organized under the laws of U.S.A. with limited liability. 481 0 obj 240 0 obj /S /H1 /S /P /Pg 38 0 R << /Pg 37 0 R endobj 169 0 obj 289 0 obj 430 0 obj /Pg 42 0 R About Us. 192 0 obj /P 3 0 R << /Pg 21 0 R 259 0 obj /Type /StructElem /Meta15 517 0 R /K [9] /P 3 0 R /Parent 2 0 R /S /Header endobj >> 115 0 obj /GS9 519 0 R 182 0 obj /P 3 0 R >> /F2 521 0 R /Pg 21 0 R 334 0 obj /P 3 0 R 226 0 obj 453 0 R 454 0 R 455 0 R 456 0 R 457 0 R 458 0 R] 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 /P 3 0 R Click here for 2023 Payment Standards by Zip Code. << /Pg 28 0 R >> /S /P The rate of pay for the secondary students has been adjusted to the current highest provincial/territorial minimum wage, found in Nunavut ($16.00). /P 3 0 R << endobj /P 3 0 R endobj 16 0 obj /Type /Group /Type /StructElem As announced in early 2018, JPMorgan Chase will deploy $1.75 billion in philanthropic capital around the world by 2023. /S /TOCI /S /H3 /Pg 17 0 R 433 0 obj /P 3 0 R /Type /StructElem /K [33] endobj /Pg 39 0 R endobj 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 /Type /StructElem /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] /S /Transparency /S /Footer /P 3 0 R The Huntsville Housing Authority administers approximately 1,606 vouchers. 413 0 obj /P 3 0 R endobj << 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 >> 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. /Type /StructElem /S /TOCI
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