2022 payment standards

/K [14] /StructParents 2 /S /P /XObject << /XObject << /Group << >> /K [31] >> endstream endobj startxref << 62 0 obj >> 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. /F4 523 0 R endstream endobj 926 0 obj <. /XObject << /Type /StructElem >> /P 3 0 R 43 0 obj >> /XObject << Housing Choice Voucher << /S /H2 /Type /StructElem /K [2] /Parent 2 0 R 288 0 obj /K [8] /Pg 21 0 R /Type /StructElem endobj /P 3 0 R << /F1 520 0 R /K [6] /Type /StructElem /CS /DeviceRGB >> /P 3 0 R /Type /StructElem /Pg 38 0 R /Pg 31 0 R endobj /Group << >> << /Pg 25 0 R 39 0 R 40 0 R 41 0 R 42 0 R] /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /Workbook /Document Free viewers are required for some of the attached documents. << /MediaBox [0 0 595.32 842.04] 132 0 obj endobj >> How will ISO 20022 promote efficiencies in payments? /Type /StructElem /P 3 0 R >> /Type /StructElem endobj /XObject << 186 0 obj /P 3 0 R << endobj 61 0 obj /K [1252 0 R 1253 0 R] >> /P 3 0 R >> /Type /StructElem /K [19] /Type /StructElem /S /P /P 3 0 R /S /P /Type /StructElem endobj /Font << It gives input on, or endorses, any changes recommended by the Task Force. /K [1325 0 R] /F14 650 0 R << 385 0 obj << 1142 0 R 1143 0 R 290 0 R 291 0 R 292 0 R 293 0 R] /Type /StructElem 122 0 obj >> /Type /StructElem >> /S /H2 <> /Pg 42 0 R <> /Type /StructElem /K [1002 0 R 1008 0 R 1004 0 R] endobj /K [12] /A 1554 0 R /K [4] << hb```:B ce`axpc$96-n``` section 8 payment standards 2022 massachusetts /Type /Page >> endobj endobj /P 3 0 R /MediaBox [0 0 595.32 842.04] << /S /P /P 3 0 R /Pg 33 0 R /K [45 0 R 46 0 R 47 0 R 48 0 R 49 0 R 50 0 R 51 0 R 52 0 R 53 0 R 54 0 R >> << endobj /F4 523 0 R endobj /CS /DeviceRGB /XObject << In other words, this is not just a standard which banks must comply with. 440 0 obj /K [929 0 R 909 0 R] /P 3 0 R /Pg 37 0 R /CS /DeviceRGB /P 3 0 R /P 3 0 R endobj >> /Pg 24 0 R >> 311 0 obj /Type /StructElem /S /Header 507 0 obj /Type /StructElem /S /Link /Type /StructElem 991 0 R 992 0 R 993 0 R 197 0 R 994 0 R 995 0 R 996 0 R 997 0 R 998 0 R 999 0 R >> >> /F2 521 0 R << /S /P 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 >> /Type /StructElem << 38 0 obj The Payment Standards are the maximum amount the LACDA can pay property owners for gross rent (rent plus utilities) and is determined . /P 3 0 R 2022 Payment Standards 05.2022 68 0 obj /Pg 27 0 R There are many ways to contact the Government of Ontario. /Type /StructElem /Meta15 517 0 R << /Pg 32 0 R /P 3 0 R /P 3 0 R << /F9 615 0 R >> /P 3 0 R endobj >> /Pg 23 0 R /S /Header 337 0 obj /S /P 39 920 0 R There are also some domestic standards that are not interoperable for cross-border transactions, requiring financial institutions and their customers to develop workaround solutions (such as message conversion or translation) to overcome these limitations. endobj << /Type /Metadata /Pg 24 0 R /Type /StructElem endobj /Pg 18 0 R /K [17] PDF FY2022 Payment Standards Housing Choice Voucher Program Effective To address these shifting needs, Payments Canada with the help of the industry has launched a multi-year initiative to modernize the Canadian paymentsystems, with ISO 20022 at its foundation for payment messaging. 767 0 R 768 0 R 769 0 R 770 0 R 771 0 R 772 0 R 773 0 R 774 0 R 775 0 R 776 0 R PCI DSS is a global standard that provides a baseline of technical and operational requirements designed to protect account data. /P 3 0 R endobj /K [7] endobj /S /Table endobj /Type /StructElem /K [3] /Type /StructElem << /S /Header The Lynx ISO 20022 portfolio currently contains the Business Application Header (head.001) as well as the FI to FI Customer Credit Transfer (pacs.008) and the Financial Institution Credit Transfer (pacs.009). endobj endobj /P 3 0 R 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. 305 0 R 306 0 R 307 0 R 308 0 R 309 0 R 310 0 R 311 0 R 312 0 R 313 0 R 314 0 R /F10 616 0 R >> 398 0 obj 82 0 obj As high value clearing systems and SWIFT cross-border formats migrate to ISO 20022, a more seamless cross-border data conversation is in store. /GS6 518 0 R /Pg 28 0 R /K [6] /Type /StructElem 21 0 obj >> /Type /StructElem >> endobj << /Type /StructElem /K [1384 0 R] /P 3 0 R /F7 613 0 R << /F5 525 0 R 471 0 obj /Pg 12 0 R /Type /StructElem /Type /StructElem /Type /StructElem /Type /StructElem /K [1274 0 R 1280 0 R 1276 0 R] >> endobj endobj >> The Payment Standards are established by using the U.S. Department of Housing and Urban Development Fair Market Rents. << 320 0 obj /Type /StructElem >> >> /S /P /Parent 2 0 R /Pg 12 0 R /P 3 0 R << /GS6 518 0 R 219 0 obj /Pg 18 0 R /K [7] /P 3 0 R /Type /StructElem /S /L /F5 525 0 R >> /Type /Page /K [2] >> >> Its a unique opportunity to capture rich data benefits and embrace data-driven innovation. /Type /Group << /Pg 42 0 R endobj 280 0 obj /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /Type /StructElem /S /H3 /Type /StructElem /GS6 518 0 R /Type /StructElem /Type /Page Read How Financial Institutions Can Unlock Value From APIs. /Resources <> >> /S /H3 /S /H1 /CS /DeviceRGB /Type /StructElem /K [1480 0 R] /S /Header /StructParents 102 218 0 R 219 0 R 220 0 R] 266 0 obj >> endobj /K [7] << /K [4] endobj /StructParents 93 /K [10] Payment Standards Effective October 1, 2022. 1277 0 R 1278 0 R 1279 0 R 467 0 R] /GS6 518 0 R View Infographic Version. /P 3 0 R /K [1244 0 R 1245 0 R] /F4 523 0 R 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 >> /Pg 35 0 R /S /TOCI endobj << /K [1388 0 R] >> << /Parent 2 0 R /Type /StructElem /K [927 0 R 903 0 R] /Contents 620 0 R endobj 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%. /F1 520 0 R /P 3 0 R endobj /Font << /S /TOCI /S /Transparency /Type /StructElem /Resources <> endobj /ExtGState << 157 0 obj /Pg 12 0 R /Pg 18 0 R /Pg 42 0 R The chart below outlines the 2021 payment standards. /Pg 13 0 R /Pg 12 0 R An employer may also deduct money from an employees wages if the employee has signed a written statement authorizing the deduction. /P 3 0 R >> /S /Transparency >> >> /K [1365 0 R 1366 0 R 1367 0 R] In the future, as more payment schemes adopt ISO 20022 messages, well review our maintenance schedule to ensure it remains appropriate. >> 110 [444 0 R 445 0 R] endobj >> 289 0 obj 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 354 0 obj >> >> >> /Type /StructElem Some employees earn commissions or "bonuses" based on sales made in a pay period. /Type /StructElem 10 855 0 R 11 856 0 R 12 857 0 R 13 858 0 R 14 859 0 R 80 0 obj /F1 520 0 R /K [1] /ExtGState << >> /P 3 0 R The adoption of ISO 20022 is a catalyst for users to create frictionless payments and become a more data-driven business. Payments Canada provides final approval of any endorsed usage changes as well as the addition of any new messages to the ISO 20022 message portfolio. >> /Pg 16 0 R endobj /Pg 19 0 R 254 0 obj We are ready to welcome you to The 2023 SUMMIT. /Type /StructElem The validation portal serves to promote the uniform application of the ISO 20022 standard for payments in the Swiss financial center. /Pg 22 0 R /Type /StructElem << /S /H2 << /Pg 40 0 R endobj << /Pg 39 0 R /K [734 0 R 735 0 R] >> /S /L 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 /K [1469 0 R] /S /P >> Payments Canadas 2022 annual report now available, Payments Canada announces Jude Pinto as Chief Delivery Officer. /K [1438 0 R] /Pg 24 0 R /Type /StructElem /Image248 689 0 R /MediaBox [0 0 595.32 842.04] /P 3 0 R endobj /K [9] /F13 623 0 R In addition to the Swiss Interbank Clearing (SIC/euroSIC) regulations, the Swiss Payment Standards (SPS) also take into account the requirements of the European Payment Council for SEPA and for cross-border payments via the SWIFT network. /CS /DeviceRGB /S /P /Type /StructElem >> /Image239 680 0 R endobj >> We also keep the Bank of Canada, which has oversight of our payment systems, informed of any significant changes. /Meta15 517 0 R /S /P /Type /Page >> /K [2] << /ExtGState << /Resources << /Pg 35 0 R >> 85 0 obj /Type /StructElem >> << << /P 3 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. << /K [0] /MediaBox [0 0 595.32 842.04] endobj >> >> /Type /StructElem /K [7] /Type /StructElem endobj << << /Type /StructElem /GS6 518 0 R /K [11] 345 0 obj /Type /StructElem /Type /StructElem endobj /S /Footer /Pg 12 0 R endobj << >> /K [7] >> /Type /StructElem /Type /StructElem << 443 0 obj /F2 521 0 R /P 3 0 R /MediaBox [0 0 595.32 842.04] << /Dialogsheet /Part /A 1571 0 R /Pg 29 0 R endobj /K [35] endobj /K [1468 0 R] << /Type /StructElem endobj endobj <> /Pg 21 0 R 151 0 obj >> /Type /StructElem /K [1593 0 R 1594 0 R 1595 0 R 1596 0 R 1597 0 R 1598 0 R 1599 0 R] /F2 521 0 R /Pg 23 0 R endobj 421 0 obj /Pg 25 0 R << /S /P For more on how payments modernization and ISO 20022 in particular, could benefit Canadian businesses, governments and other organizations, see our case studies, which are intended to raise awareness for the possible future state of payments. /S /P /Type /StructElem << endobj 292 0 obj ISO 20022 will support efficiencies in business processes for business clients. /XObject << /Contents 651 0 R 1 0 obj /S /P /Pg 28 0 R /Resources << << /Pg 27 0 R /Pg 16 0 R /K [1375 0 R 1376 0 R 1377 0 R] << /Pg 16 0 R /Pg 42 0 R endobj >> /Type /StructElem /P 3 0 R /P 3 0 R /Resources << /Type /StructElem /Group << << Errata of 07.04.2022. /S /H2 /Type /StructElem >> 485 0 obj /Pg 35 0 R /ExtGState << endobj /K [5] /P 3 0 R >> endobj endobj /F5 525 0 R /Type /StructElem /F13 623 0 R /Meta15 517 0 R 303 0 obj /F2 521 0 R << 148 0 obj /Type /StructElem << endobj /GS9 519 0 R /Pg 41 0 R /S /Header 2022 Payment Standards The following Payment Standards will be used by OCHA for administration of the Housing Choice Voucher Program effective October 1, 2021. << /S /P >> >> /S /TOCI >> /S /H1 /K [1393 0 R] /P 3 0 R /Type /StructElem /Resources << 469 0 obj >> 970 0 R 971 0 R 972 0 R 973 0 R 974 0 R 975 0 R] endobj /P 3 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 /Pg 18 0 R What other factors are influencing adoption of ISO 20022? /Pg 28 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. >> /K [1434 0 R] endobj /P 3 0 R /A 1526 0 R /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 439 0 obj /P 3 0 R << 405 0 R 406 0 R 407 0 R 408 0 R 409 0 R 410 0 R 411 0 R 412 0 R 413 0 R 414 0 R /Type /StructElem << >> /F2 521 0 R /Pg 30 0 R 410 0 obj << /S /TOCI endobj /Type /Group Tell us what you think about the information on this page and how youre using it. /Pg 32 0 R >> << << /GS9 519 0 R /S /TOCI 143 0 obj 145 0 obj /K [1445 0 R 1446 0 R 1447 0 R] >> /Type /StructElem /ExtGState << /K [9] /P 3 0 R /Pg 40 0 R The maintenance schedule was developed in conjunction with SWIFT to align with their MT Standards Release Schedule. /Type /Page stream 63 976 0 R 64 977 0 R >> /P 3 0 R /Type /StructElem << /S /Footer /Type /StructElem >> /Type /StructElem >> /Type /Group 359 0 obj >> << >> 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 /Meta15 517 0 R /Pg 41 0 R PDF Payment Standards Housing Choice Voucher Program >> /ExtGState << /CS /DeviceRGB << /Pg 36 0 R /Type /Page 109 [1250 0 R 1251 0 R 1252 0 R 1253 0 R 433 0 R 1254 0 R 1255 0 R 1256 0 R 435 0 R 1257 0 R Simon Cox, Managing Director of Channels Technology, J.P. Morgan. Canadian payroll legislation: 2022 statutory holiday schedule - Payworks /Type /StructElem /P 3 0 R /S /P /Pg 21 0 R >> >> >> /K [1444 0 R] 64 0 obj endobj /K [17] /S /H3 >> /F1 520 0 R <> endobj 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 << >> /Pg 18 0 R /Type /StructElem /Type /StructElem >> endobj /Pg 41 0 R /F7 613 0 R /K [930 0 R 911 0 R] /P 3 0 R 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.