292 0 obj /P 3 0 R >> /F2 521 0 R /K [21] /S /P endobj >> 267 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. /K [870 0 R 773 0 R] /F9 615 0 R /Type /StructElem 508 0 obj endobj /Pg 12 0 R /Type /StructElem /Pg 28 0 R >> /P 3 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 >> /Type /StructElem /Type /StructElem 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 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 /Type /StructElem Employers must establish a regular pay period and a regular pay day for employees. /S /P << /S /Transparency 495 0 R 496 0 R 500 0 R 504 0 R 508 0 R] /K [14] endobj /Type /StructElem 308 0 obj endobj endobj /P 3 0 R /S /P /Pg 20 0 R 1000 0 R 1001 0 R 201 0 R 202 0 R 203 0 R 1002 0 R 1003 0 R 1004 0 R 1005 0 R 1006 0 R] endobj endobj /Pg 42 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. /F7 613 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 /S /P >> >> /Pg 13 0 R /F7 613 0 R 365 0 obj 236 0 obj /Type /StructElem /K [1587 0 R 1588 0 R 1589 0 R] << 62 0 obj /GS6 518 0 R /Pg 12 0 R /S /TOCI /Type /StructElem /F1 520 0 R endobj /S /Figure << /S /Footer /StructParents 96 << >> 510 0 obj 491 0 obj /Type /StructElem Reference No Description; /P 3 0 R /K [1460 0 R 1461 0 R 1462 0 R] 167 0 obj 6 851 0 R 7 852 0 R 8 853 0 R 9 854 0 R /K [11] /MediaBox [0 0 595.32 842.04] /Pg 12 0 R 72 0 obj << /MediaBox [0 0 595.32 842.04] endobj /Type /StructElem << >> /CS /DeviceRGB /GS9 519 0 R << /ExtGState << 243 0 obj /Pg 19 0 R /Type /StructElem 315 0 obj SIX Is the Go-To-Market Partner for ATM and Cash Solutions. /P 3 0 R 406 0 obj 384 0 obj /ExtGState << /S /Header /K [1481 0 R] 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. >> /Contents 530 0 R << /S /P /P 3 0 R /F2 521 0 R endobj /DestOutputProfile 515 0 R /K [4] << What other factors are influencing adoption of ISO 20022? 27 0 obj /Type /StructElem /Pg 24 0 R /Type /StructElem /Pg 22 0 R /S /TOCI /K [2] /Type /StructElem /Contents 576 0 R /Pg 26 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 /ExtGState << /K [877 0 R 795 0 R] 145 0 obj /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] 490 0 obj endobj 22 0 obj Eligibility for particular products and services is subject to final determination by JPMC and or its affiliates/subsidiaries. /Pg 37 0 R /GS6 518 0 R >> 499 0 obj << endobj 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 211 0 obj /S /P /K [1380 0 R 1381 0 R 1382 0 R] /S /P endobj /GS6 518 0 R /K [17] /CS /DeviceRGB endobj /S /P /P 3 0 R /F10 616 0 R /P 3 0 R /P 3 0 R /Parent 2 0 R 455 0 obj /CS /DeviceRGB >> /P 3 0 R /Type /StructElem 1201 0 R 1201 0 R 1202 0 R 1202 0 R 1203 0 R 1203 0 R 331 0 R 332 0 R 333 0 R 334 0 R /Type /StructElem 375 0 R 376 0 R 377 0 R 378 0 R 379 0 R 380 0 R 381 0 R 382 0 R 383 0 R 384 0 R endobj /S /P >> /Type /StructElem 506 0 obj >> /Pg 21 0 R /K [1394 0 R] endobj H. Indian Accounting Standards (Ind AS) as on 01.04.2022 . 787 0 R 788 0 R 789 0 R 790 0 R 791 0 R 792 0 R 793 0 R 794 0 R 795 0 R 796 0 R /Type /StructElem /Pg 40 0 R /S /TOCI /Pg 13 0 R /Type /StructElem /F13 623 0 R >> << /Type /Group endobj /K [1438 0 R] << /S /P /Resources << >> hbbd```b``"'I"Y)`L.,`v;Do ~`4Adm?O@q0,Hwkc`bd` x'@ @ /ExtGState << /S /P endobj /Type /StructElem << << /K [879 0 R 801 0 R] << /S /P /S /P /Type /StructElem /K [12] /S /H2 /K [1474 0 R] /S /TOCI /K [906 0 R 907 0 R] /P 3 0 R 481 0 obj /Alt () << /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /P 3 0 R /K [3] /K [2] /Type /StructElem 45 0 obj 316 0 obj /K [5] << /Contents 677 0 R Instead of reformatting data on a continual basis to meet local requirements and adjusting back into SWIFT format, banks will spend less time manipulating data with the new standard. endobj /Type /StructElem << 247 0 obj /S /Header endobj /F10 616 0 R /S /Transparency /GS9 519 0 R /K [1453 0 R] 379 0 obj Employees may request (in writing) a statement containing the information in the employers vacation records. 270 0 obj /Pg 30 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. << /Pg 28 0 R >> /P 3 0 R /Type /StructElem endobj /S /P That means more information such as information from multiple invoices can be sent with a single electronic payment, reducing the need for manual intervention and re-keying of data, making business processes more efficient. /First 513 0 R /XObject << /Type /Group /K [12] 235 0 R 236 0 R 237 0 R 238 0 R 239 0 R 240 0 R 241 0 R 242 0 R 243 0 R 244 0 R /F2 521 0 R /Type /StructElem /F7 613 0 R << endobj /Pg 18 0 R /S /Link /Type /Page /S /H2 /S /TOCI >> endobj endobj 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. >> /Type /StructElem endobj The Payment Standards do not limit or affect the amount of rent an owner may charge or the Section 8 tenant may pay. /K [878 0 R 797 0 R] /Contents 604 0 R << 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. /Group << >> >> /S /H3 126 0 obj /Type /StructElem /P 3 0 R 77 1056 0 R 78 1057 0 R 79 1058 0 R /S /Header /Type /StructElem /P 3 0 R /K [10] /Group << >> 437 0 obj /Meta15 517 0 R /K [774 0 R 775 0 R] >> 381 0 obj >> /S /Figure Enhanced Remittance data: ISO 20022 addresses the current need in Canada for more remittance information to support automated reconciliation and straight-through processing. << /Type /StructElem xwTTwz0tzRWQf "*QD) EbEQ{@QldFJ|yy=gs{. /S /P /P 3 0 R endobj /Type /StructElem 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). /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /S /P /S /P 252 0 obj endobj >> /S /P /Type /Group /S /H3 << In other words, this is not just a standard which banks must comply with. /Pg 30 0 R >> >> << /Pg 27 0 R >> >> << /Image239 680 0 R << 348 0 obj /Group << /ExtGState << /MSIP_Label_61354688-28ff-43f9-ae7a-258f2522a8ce_Application (Microsoft Azure Information Protection) /S /Figure endobj << /K [7] /K [871 0 R 781 0 R] 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. << /P 3 0 R /P 3 0 R /S /Footer /K [1373 0 R] >> << /K [1464 0 R] /S /P /Type /StructElem endobj endobj /P 3 0 R 59 0 obj /K [872 0 R 783 0 R] /P 3 0 R 459 0 obj /P 3 0 R /K [1266 0 R 1267 0 R] /S /P /Pg 32 0 R >> endobj /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. >> >> 484 0 obj << /Type /StructElem 21 0 obj /P 3 0 R /Type /Page 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 /Pg 34 0 R >> /K [8] >> << This number varies from family to family. endobj endobj /K [1455 0 R 1456 0 R 1457 0 R] /Pg 34 0 R /S /P 207 0 obj >> 215 0 obj /Type /StructElem The payment standard for a family is the lower of: Payment standard for the family unit size indicated on the voucher; or 445 0 R 446 0 R 447 0 R 448 0 R 449 0 R 450 0 R 451 0 R 452 0 R 453 0 R 454 0 R /Pg 32 0 R /S /P /Pg 30 0 R 52 0 obj >> 114 0 obj 374 0 obj 447 0 obj The next phase of Payments Canadas ISO 20022 initiative will focus on the multi-year task of implementing and supporting the new standard in Canada. << 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 ISO 20022 is emerging as a common language and model for financial messages across the world. endobj 375 0 obj /P 3 0 R 293 0 obj >> 249 0 obj endobj /Footer /Sect /ExtGState << << endobj 0 /F8 614 0 R << 396 0 obj Learn how financial institutions are able to benefit from the rapid expansion in Application Programming Interfaces (APIs) to support intra-day liquidity management, track and trace payments in real-time and streamline cross-border currency transactions. /K [882 0 R 807 0 R] /K [1602 0 R] /Pg 28 0 R << /F7 613 0 R /Pg 13 0 R << /S /P << << /K [1527 0 R 1528 0 R] << << /Pg 27 0 R >> /F10 616 0 R /Pg 28 0 R The Payment Standards are the maximum amount the LACDA can pay property owners for gross rent (rent plus utilities) and is determined by the number of bedrooms . /Pg 21 0 R /S /Transparency /Textbox /Sect /K [15] /P 3 0 R The Swiss Payment Standards (SPS) are summarized in the Business Rules and Implementation Guidelines (IGs). << /K [40] /Pg 26 0 R >> /S /Figure >> $161. /S /Figure 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. /Meta212 658 0 R endobj 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. endobj /XObject << /P 3 0 R /Meta15 517 0 R However, the significance of the shift will unfold over the next few years. /Group << 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 386 0 obj 50 0 obj << /Type /StructElem HUD Announces Increased Payment Standards, More Vouchers /Pg 26 0 R 231 0 obj 479 0 obj /Pg 26 0 R /Pg 12 0 R A court order may indicate that an employee owes money either to the employer or to someone else other than their employer, and that the employer can make a deduction from the employees wages to pay what is owed. endobj /Type /StructElem >> 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. >> /P 3 0 R /Type /StructElem /Type /StructElem /K [0] endobj << /K [4] /Pg 12 0 R endobj /S /TOCI /Pg 24 0 R /F1 520 0 R /Type /StructElem 1166 0 R 1166 0 R 1167 0 R 1167 0 R 1168 0 R 1169 0 R 1170 0 R 1171 0 R 1172 0 R 1173 0 R endobj /Pg 18 0 R /Type /Page /K [17] 1142 0 R 1143 0 R 290 0 R 291 0 R 292 0 R 293 0 R] endobj the first pay day after the employee makes the request. 269 0 obj /Pg 15 0 R << /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /Pg 26 0 R endobj /K [874 0 R 787 0 R] >> endobj << /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /K [9] /F2 521 0 R /Type /StructElem 258 0 R 259 0 R 260 0 R 261 0 R 262 0 R 263 0 R] /S /P /Pg 36 0 R 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. 30 0 obj 334 0 obj /P 3 0 R /K [860 0 R 747 0 R] /CS /DeviceRGB /Type /StructElem << 326 0 obj /S /TOCI >> /Type /StructElem /Pg 17 0 R /F10 616 0 R /K [28] /Pg 27 0 R /P 3 0 R << /P 3 0 R >> /S /P << /MediaBox [0 0 595.32 842.04] /Type /StructElem /K [1] /Pg 39 0 R /K [1261 0 R 1262 0 R] /F5 525 0 R >> /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] >> >> /ExtGState << endobj /P 3 0 R /Pg 35 0 R endobj << /Pg 40 0 R /Type /StructElem 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 /Pg 41 0 R /P 3 0 R /P 3 0 R /S /P << 32 0 obj /S /P /Type /StructElem /S /Table /Type /StructElem /K [22] /GS6 518 0 R /Type /StructElem /Pg 42 0 R endobj << /K [1563 0 R 1564 0 R 1565 0 R 1566 0 R] /XObject << /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] endobj /Type /StructElem /Type /StructElem /P 3 0 R /K [1393 0 R] /Pg 21 0 R /K [7] /Type /StructElem endobj /Group << << >> /Type /StructElem /P 3 0 R /Type /StructElem These documents serve as instructions for the technical implementation of the ISO 20022 message "Customer Payment Status Report" (pain.002). 336 0 obj /Pg 17 0 R /P 3 0 R /F3 522 0 R endobj /K [10] >> 448 0 obj /Pg 37 0 R Bedroom Size SRO 0-bdr 1-bdr 2-bdr 3-bdr 4-bdr 5-bdr 6-bdr 7-bdr 8-bdr Payment Standards $1,245 $1,660 $1,924 $2,452 $3,231 $3,519 . 404 0 obj >> /S /Footer /S /TOC /Parent 2 0 R 118 0 obj /K [18] /F8 614 0 R << %PDF-1.6 % >> >> >> /P 3 0 R >> << /Meta15 517 0 R << /S /P /P 3 0 R /P 3 0 R 43 0 obj /K [1577 0 R 1578 0 R 1579 0 R] /K [1449 0 R] /Pg 20 0 R /K [6] >> /Pg 35 0 R << 228 0 obj /P 3 0 R /F2 521 0 R /Image240 681 0 R /Meta15 517 0 R /P 3 0 R /Pg 25 0 R /P 3 0 R %PDF-1.6 % >> /GS6 518 0 R /K [4] /Contents 646 0 R << /P 3 0 R /S /L /Type /StructElem /Type /StructElem /K [15] << /Type /StructElem /S /P /GS9 519 0 R /Parent 2 0 R endobj 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. 115 0 obj << /GS6 518 0 R /ExtGState << /P 3 0 R /Pg 22 0 R /Pg 22 0 R /K [1378 0 R] << /F4 523 0 R >> /K [3] What does ISO 20022 mean for the payments industry? Payments Canada is pleased to publish its annual report, Facilitating data-rich payments. /Type /StructElem 460 0 obj 365 0 R 366 0 R 367 0 R 368 0 R 369 0 R 370 0 R 371 0 R 372 0 R 373 0 R 374 0 R /XObject << 428 0 obj /Type /StructElem /P 3 0 R 100 0 obj << /Pg 12 0 R /S /Header /K [31] /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /P 3 0 R endobj /Type /Group >> /K [880 0 R 803 0 R] 415 0 obj /Pg 22 0 R /F4 523 0 R /StructParents 109 /K [1398 0 R] << /Pg 28 0 R /K [4] /Font << 360 0 obj /P 3 0 R 312 0 obj << /K [1359 0 R] >> 2022 Payment Standards The following Payment Standards will be used by OCHA for administration of the Housing Choice Voucher Program effective October 1, 2021. << /K [2] 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] endobj /S /Figure >> PDF Swiss Payment Standards 2022 - SIX Group /P 3 0 R /S /Table endobj 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 /Type /StructElem /Alt () Business clients are encouraged to work with their financial institution and their business partners to determine how best to implement and take advantage of the benefits of ISO 20022 payments messages. /P 3 0 R /Pg 20 0 R /P 3 0 R >> /P 3 0 R /Pg 20 0 R << 246 0 obj << /Type /StructElem << endobj /Pg 41 0 R /S /P /MediaBox [0 0 595.32 842.04] /P 3 0 R >> /P 3 0 R /Type /StructElem /Pg 18 0 R /Chart /Sect 427 0 obj /S /P On a payday, you are getting paid for the pay period that ended 2 weeks before. /S /P /S /Header >> >> /F7 613 0 R /Contents 528 0 R /Type /Page /S /Footer /Meta211 657 0 R /F8 614 0 R /Pg 36 0 R /S /L 425 0 R 426 0 R 427 0 R 428 0 R 429 0 R 430 0 R 431 0 R 432 0 R 433 0 R 434 0 R >> << It will also create new opportunities for every financial institution, payment service provider and business in Canada. 331 0 obj endobj /Type /StructElem >> endobj /P 3 0 R /Marked true endobj >> /K [54] /Font << It is an open standard that anyone can use, and to which anyone can contribute. >> endobj /K [875 0 R 789 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] /P 3 0 R /P 3 0 R /Pg 38 0 R /K [2] /Pg 39 0 R endobj /S /TOCI /S /P /K [23] endobj /Type /StructElem 251 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 endobj /P 3 0 R /Pg 38 0 R /Type /StructElem /P 3 0 R /P 3 0 R >> /Type /StructElem /S /TOCI 88 [265 0 R 266 0 R 267 0 R 268 0 R 269 0 R 270 0 R 271 0 R 272 0 R 1076 0 R 1076 0 R << >> << /S /P /P 3 0 R >> /P 3 0 R /P 3 0 R /F5 525 0 R /GS6 518 0 R These are "minor" versions that do not require any mandatory technical adjustments on the part of the customer., The SPS 2023 release includes adjustments to the following IGs:, All other IGs (see "Currently valid versions") will not be adapted and will remain valid after 20 November 2023., Swiss Business Rules (Version 3.0.1) Publication in April 2023. /K [873 0 R 785 0 R] 87 0 obj << << /Type /StructElem >> << 46 0 obj >> >> 19 0 obj /ID (Note 2) /P 3 0 R /Pg 13 0 R /S /P 220 0 obj /CS /DeviceRGB View Infographic Version, With structure and dedicated fields for payment details, the formatting standard creates communication efficiency. >> /Font << To help us do this, weve established a formal maintenance schedule. /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] 483 0 obj endobj /P 3 0 R /Pg 41 0 R 505 0 R 506 0 R 507 0 R 508 0 R 509 0 R 510 0 R 511 0 R] /S /P 463 0 obj /MarkInfo << endobj << /Type /StructElem /P 3 0 R >> /P 3 0 R 1277 0 R 1278 0 R 1279 0 R 467 0 R] /Type /StructElem 180 0 obj >> >> 286 0 obj /P 3 0 R /P 3 0 R endobj /K [1414 0 R] /Pg 19 0 R >> /K [13] /P 3 0 R /S /P 1247 0 R 1248 0 R 1249 0 R] The Financial Institutions Branch Directory (FIBD) provides routing numbers and addresses for branches of all Canadian financial institutions. 435 0 obj /Pg 24 0 R /Resources << /F8 614 0 R 256 0 obj >> /P 3 0 R 497 0 obj 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 201 0 obj /Pg 21 0 R /Meta15 517 0 R /StructParents 89 endobj /Type /StructElem /Type /StructElem 262 0 obj Public Safety Canada (PS) has established services standards for all of its transfer payment programs. /S /TOCI >> /K [18] payments, securities, foreign exchange, cards) to communicate using consistent terminology or syntax, which supports interoperability and more remittance information within the payment message. /F9 615 0 R /S /Footer /Type /StructElem /P 3 0 R /K [1221 0 R 1225 0 R 1223 0 R] 442 0 obj /K [1483 0 R 1484 0 R 1485 0 R 1486 0 R 1487 0 R 1488 0 R 1489 0 R] /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] 410 0 obj /K [1] /P 3 0 R /P 3 0 R /Pg 33 0 R 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. /Pg 21 0 R /Type /StructElem endobj /GS9 519 0 R /Pg 18 0 R /P 3 0 R /S /P /Annots [618 0 R 619 0 R] << 94 0 obj /Pg 12 0 R It isnt a new standard as real-time, high-value payment systems have already adopted ISO 20022. /Type /StructElem /S /Header It isnt a new standard as real-time, high-value payment systems have already adopted ISO 20022. /Pg 16 0 R $467. << endobj Due to the message version change with SPS 2022, a three . /F1 520 0 R << >> /S /TOCI The Payment Standard refers to the maximum amount of subsidy HPD will pay for an apartment of the same size. << /Pg 12 0 R /Type /Page >> >> /Parent 2 0 R In an age of digital transformation, SIX offers secure and convenient payment solutions for a sustainable Swiss financial center. /K [776 0 R 777 0 R] /Pg 32 0 R endobj /S /P 112 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 454 0 obj /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /K [6] << /Type /StructElem /F9 615 0 R /Pg 40 0 R 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. /Type /StructElem << >> /S /H2 << 105 0 obj /K [1533 0 R 1534 0 R] /Pg 42 0 R /K [1370 0 R 1371 0 R 1372 0 R] /Meta15 517 0 R /Group << /Pg 42 0 R /K [7] >> endobj /P 3 0 R /K [1435 0 R 1436 0 R 1437 0 R] endobj >> 1 endobj /S /P /K [985 0 R 986 0 R] endobj endstream endobj startxref /Type /StructElem >> /S /P 441 0 obj /S /TOCI endobj /K [1228 0 R 1229 0 R] /Type /StructElem endobj /GS6 518 0 R /P 3 0 R /Pg 27 0 R /K [7] << /K [0] /P 3 0 R /CS /DeviceRGB /Type /StructElem /Type /Page << endobj /MediaBox [0 0 595.32 842.04] The payments paradox: data and systems become increasingly diverse as the global economy becomes more interconnected. /S /P >> >> /Type /StructElem /Type /StructElem /Type /StructElem /Pg 22 0 R endobj /P 3 0 R Payment Standards | City of Pittsburg The payday for a specific pay period is 2 weeks after the end . /Pg 37 0 R >> endobj /Type /StructElem /F5 525 0 R >> /S /Transparency >> /GS9 519 0 R /K [1523 0 R 1524 0 R 1525 0 R] /Type /StructElem /Meta15 517 0 R << << /Resources << /F1 520 0 R 65 978 0 R 66 979 0 R 67 980 0 R 68 981 0 R 69 982 0 R endobj /Pg 36 0 R << << /Type /StructElem /Image5 516 0 R /S /H3 endobj /Pg 34 0 R endobj ASAP Automated Symbol Allocation Platform, Management Transactions / Disclosure of Shareholdings, Member Section eBill & Direct Debit (LSV), OverviewPayment Standards in Switzerland, Overview Payment Standards in Switzerland, Report on the Results of the Consultation Process 2022 on SPS2023, Adjustments to Implementation Guidelines for Cash Management on SPS 2023, Adjustments to Implementation Guidelines for Credit Transfer, Adjustments to Implementation Guidelines for Status Report on SPS 2023. 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 /P 3 0 R >> >> endobj >> >> << 307 0 obj << /S /Footer /F7 613 0 R Click here to learn more on wealth management and investment services, Click here to know more about 2023 Market Outlook. 572 0 R 573 0 R 574 0 R 575 0 R] /P 3 0 R /S /P /Image251 692 0 R endobj /Type /StructElem >> /Pg 14 0 R /Type /StructElem 3 839 0 R 4 840 0 R endobj /P 3 0 R /Pg 18 0 R endobj /Meta195 645 0 R The Housing Authority announces each year's Payment Standards around January first. /S /TOCI 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. /Pg 13 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. >> /S /P endobj << << /S /P >> /Pg 35 0 R endobj << /Pg 30 0 R /P 3 0 R >> /Type /StructElem /P 3 0 R 191 0 obj /StructParents 107 endobj >> Release Notes, dated 20 February 2023) and published on the password-protected extranet of SIX Interbank Clearing Ltd. 157 0 obj /MediaBox [0 0 595.32 842.04] /Pg 16 0 R 335 0 obj /Pg 17 0 R >> >> >> << Payments Canada has developed a comprehensive Standards Management Framework to support the maintenance and management of ISO 20022 messages. /Type /StructElem HUD updates the FMRs annually, and CHA reviews these payment standards annually as well. /K [3] /XObject << /P 3 0 R /K [876 0 R 791 0 R] /Pg 21 0 R The Swiss financial center is introducing beneficial standards, and also taking the opportunity to harmonize payments. /Pg 24 0 R /MediaBox [0 0 595.32 842.04] /GS6 518 0 R << /K [1443 0 R] /F10 616 0 R << /S /P endobj << >> endobj /Image245 686 0 R /Type /StructElem >> /P 3 0 R /K [1454 0 R] /F1 520 0 R /Pg 27 0 R /Pg 30 0 R >> /CS /DeviceRGB 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. >> << /Type /Group /Parent 2 0 R 495 0 obj 324 0 obj /Pg 31 0 R /MediaBox [0 0 595.32 842.04] /Type /StructElem endobj >> /F4 523 0 R /S /Transparency /S /P /S /TOCI >> 85 0 obj In addition, for 6 of the module documents so-called "Delta Commentary" documents are provided, which contain detailed information on changes within the affected messages. Payments Canadas Senior Operational Committee provides a more strategic operational lens. /CS /DeviceRGB endobj 53 0 obj endobj While clearing the way for more flexible payment structures, ISO 20022 helps accommodate corporate needs, along with evolving market dependencies. /S /H3 The XML message "Customer Payment Status Report" (pain.002) is used by the financial institution to inform customers about the status of "pain.001" transfer orders or "pain.008" collection orders that have been sent. /Type /StructElem /Pg 42 0 R /S /Transparency /XObject << >> endobj endobj /P 3 0 R /S /P >> << /F2 521 0 R /S /Header >> endobj /Meta15 517 0 R >> >> >> 501 0 R 502 0 R 1308 0 R 1309 0 R 505 0 R 506 0 R 507 0 R 509 0 R 510 0 R 511 0 R 13 0 obj 29 0 obj /S /Header 90 0 obj /P 3 0 R >> /P 3 0 R /Pg 37 0 R Our financial advisors create solutions addressing strategic investment approaches, professional portfolio management and a broad range of wealth management services. >> /Pg 17 0 R >> /Type /StructElem /P 3 0 R /XObject << /Pg 40 0 R /P 3 0 R >> /Type /StructElem PDF PAYMENT STANDARDS Housing Choice Voucher Program Emergency Housing 486 0 obj endobj /K [10] /ExtGState << /Type /StructElem << 161 0 obj /Type /StructElem >> << /P 3 0 R >> 158 0 obj /Resources << << /P 3 0 R << 278 0 obj /ExtGState << 79 0 obj /Type /StructElem /Type /StructElem endobj /Pg 30 0 R /Pg 27 0 R >> 1155 0 R 1156 0 R 307 0 R 308 0 R 309 0 R] << << >> >> >> << Payments Canada has adopted ISO 20022 as the standard for electronic payment messages that travel across our infrastructure. endobj /K [8] Click here for 2023 Payment Standards. << /Type /StructElem endobj /Pg 37 0 R /A 1522 0 R >> 133 0 obj /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.
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