/Pg 17 0 R >> /S /P PDF EFFECTIVE May 1, 2022 - Inlivian /XObject << /K [1455 0 R 1456 0 R 1457 0 R] /K [30] endobj /P 3 0 R 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. /Type /StructElem endobj /Meta15 517 0 R /K [871 0 R 781 0 R] /K [7] /S /TOCI >> version 2 for the LSV+/BDD schemes. 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 /Pg 42 0 R /S /Header >> >> /P 3 0 R /S /P /P 3 0 R /K [1] /K [1424 0 R] 258 0 R 259 0 R 260 0 R 261 0 R 262 0 R 263 0 R] /S /P 406 0 obj /Resources << endobj endobj /F8 614 0 R 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. /K [15] 390 0 obj /P 3 0 R /P 3 0 R /Type /StructElem 479 0 obj /S /TOCI endobj << /Contents 595 0 R endobj /S /P /Type /StructElem /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /S /P /Pg 24 0 R /S /Header endobj 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 322 0 obj /S /L /P 3 0 R /Type /StructElem 115 0 R 116 0 R 117 0 R 118 0 R 119 0 R 120 0 R 121 0 R 122 0 R 123 0 R 124 0 R endobj >> endobj /S /P /F9 615 0 R Payment Standards | City of Pittsburg endobj /Pg 21 0 R >> /F1 520 0 R /P 3 0 R >> /P 3 0 R /K [11] << /S /Figure /Type /StructElem << /XObject << 476 0 obj /S /TOCI 57 0 obj endobj /Type /StructElem endobj /Pg 18 0 R /Pg 22 0 R PDF FY2023 Payment Standards Housing Choice Voucher Program Effective 70 0 obj Changes are coming to some mortgage fees next month - CNN endobj 140 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. endobj >> /Type /StructTreeRoot >> /K [20] >> /Pg 37 0 R /Type /StructElem /K [1453 0 R] endobj /P 3 0 R /K [1552 0 R 1553 0 R] /Type /StructElem >> /P 3 0 R 480 0 R 481 0 R 482 0 R 483 0 R 1288 0 R 1289 0 R 1290 0 R 1291 0 R 1292 0 R 1293 0 R >> /K [4] /P 3 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. /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] << 318 0 obj /Pg 18 0 R << /K [9] endobj 187 0 obj /K [3] << 215 0 R 216 0 R 217 0 R 218 0 R 219 0 R 220 0 R 221 0 R 222 0 R 223 0 R 224 0 R /S /P /P 3 0 R << /Type /Group /Type /StructElem /S /TOCI /Pg 18 0 R >> /S /P /Resources << /Type /Page >> /Type /StructElem /P 3 0 R << /P 3 0 R endobj /Pg 17 0 R /S /Footer /Pg 20 0 R /Meta15 517 0 R << /Type /Group 320 0 obj << 90 1137 0 R 91 [281 0 R 282 0 R 1138 0 R 1139 0 R 284 0 R 1140 0 R 1141 0 R 286 0 R 287 0 R 288 0 R endobj /Type /StructElem HUD updates the FMRs annually, and CHA reviews these payment standards annually as well. >> >> Which ISO 20022 messages have been defined within Payments Canadas portfolio? /S /H2 /S /P 160 0 obj 74 0 obj /S /P /K [1243 0 R 1242 0 R] /Pg 35 0 R >> /Type /StructElem /Pg 31 0 R /K [1430 0 R 1431 0 R 1432 0 R] 198 0 obj >> /S /TOC /F5 525 0 R /S /P /K [1155 0 R 1156 0 R] Canada CRA Benefit Payment Dates in 2023 (CCB, GST, OTB, & CPP) /Type /StructElem 468 0 obj /S /P << << endobj /Pg 41 0 R /Pg 12 0 R >> << 76 0 obj endobj /Pg 35 0 R /F5 525 0 R /S /P /Type /Pages 118 0 obj /K [11] /Type /StructElem << /F1 520 0 R /Pg 28 0 R 218 0 R 219 0 R 220 0 R] /S /P 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 /ExtGState << 836 0 R 837 0 R 838 0 R] /F2 521 0 R /Pg 29 0 R 105 0 obj /Pg 19 0 R /S /TOCI /Pg 30 0 R "{P*uy=s_s]sotiP*X{|>7\&QHtd)gI7f~TLCe['\O)Nn^ Fw{1I q3!sU7L6DC!v[C) iqWd{P;PLfmX~#"euHHm?&r&FhWHBPp1HHV+kR4XsBE/M+rKUQ\m5+$f%&S;IVjB ~j65?SPMoaQ6aMeXQ ?p6sH >> /S /TOCI Subsidy and Payment Standards - HPD - Government of New York City >> /P 3 0 R /Parent 2 0 R /CS /DeviceRGB /Type /StructElem /Type /StructElem /Pg 12 0 R >> << << << 93 0 obj /P 3 0 R /K [7] /Pg 36 0 R >> /Resources << >> /S /Header << endobj It includes processes to manage change and evolution within the messages, as well as incorporating new messages as required by Members and Stakeholders. /K [1318 0 R 1319 0 R] Payments Canada has adopted ISO 20022 as the standard for electronic payment messages that travel across our infrastructure. /Type /StructElem A Section 8 tenant can select a unit with rent that is below or above the Payment Standard; however, a . /P 3 0 R /S /P /MediaBox [0 0 595.32 842.04] << 46 0 obj /P 3 0 R << 411 0 obj /K [17] /K [13] /Type /StructElem endobj /F2 521 0 R /Type /Page /GS6 518 0 R /Type /StructElem HA /N 3 >> /K [6] 35 0 obj /K [19] << endobj 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 /S /Table /S /Header /K [1] /Parent 2 0 R >> /GS9 519 0 R 464 0 obj /S /P 377 0 obj >> Not all products and services are available in all geographic areas. /Font << << Due to the message version change with SPS 2022, a three . /S /P 245 0 obj This is called payment in arrears. /P 3 0 R /K [1368 0 R] /Pg 26 0 R 94 0 obj /S /H3 >> 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 /Resources << /Type /StructElem /S /P >> /Type /StructElem /ExtGState << 283 0 obj /P 3 0 R >> /Meta15 517 0 R /Type /StructElem << 310 0 obj 336 0 obj >> Neither this material nor any of its contents may be disclosed or used for any other purpose without the prior written consent of JPMorgan. /Type /StructElem J.P.Morgan is a global leader in financial services, offering solutions to the world's most important corporations, governments and institutions in more than 100 countries. << /F4 523 0 R /Type /StructElem /OutputIntents [5 0 R] /Type /StructElem >> << >> >> Create strong governance with fluid channels of communications across stakeholders to oversee the migration within your business. When implementing large scale technology shifts, communication consistency and cost benchmarking are building blocks of a solid foundation for change. >> /Type /StructElem 345 0 obj << /P 3 0 R >> /S /Header /P 3 0 R /F9 615 0 R << /S /P 2 [810 0 R 811 0 R 812 0 R 812 0 R 813 0 R 813 0 R 814 0 R 814 0 R 815 0 R 815 0 R /Pg 19 0 R >> >> Todays digital economy and the rise of electronic payments has created a need for more information to travel along with the payment message. /F1 520 0 R >> 112 0 obj /Type /StructElem /S /Header << /P 3 0 R /Type /StructElem endobj >> /Type /StructElem The application of different standards results in inefficiencies in the marketplace and an inconsistent user experience. /K [1549 0 R 1550 0 R] 315 0 obj endobj << 1035 0 R 1036 0 R 1037 0 R 1038 0 R 1039 0 R 1040 0 R 1041 0 R 1042 0 R 1043 0 R 1044 0 R /Type /StructElem /Pg 36 0 R /Pg 14 0 R This is called a "written authorization.". 133 0 obj /F2 521 0 R /Pg 23 0 R Efficiencies in managing/supporting multiple payments standards: ISO 20022 allows the financial services industry in Canada to consolidate the current. endobj /Group << /Pg 28 0 R /K [7] /K [14] /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 /P 3 0 R /P 3 0 R /Pg 36 0 R >> 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. << /P 3 0 R /S /P /P 3 0 R /S /Figure >> /Annots [641 0 R] /S /P /Type /StructElem /Pg 42 0 R << /Pg 15 0 R /Type /StructElem << endobj 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 >> >> /Type /Page 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 << /K [31] /K [12] endobj /F4 523 0 R 67 0 obj >> Fair Market Rents and Payment Standards Information /K [2] /Type /StructElem 126 0 obj /F1 520 0 R /Type /StructElem endobj /S /P /K [8] 186 0 obj 493 0 obj /Pages 2 0 R /F5 525 0 R >> /S /H3 /Type /StructElem 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. /Chart /Sect << /Type /StructElem << The EPC specifications form the basis of the Swiss SEPA direct debit guidelines. << /P 3 0 R /Creator () 490 0 obj /Type /StructElem As major currencies adopt ISO 20022 formatting, SWIFT estimates that 80% of global, high-value payments by volume will be processed through ISO 20022. 261 0 obj /Pg 39 0 R endobj ISO 20022 is emerging as a common language and model for financial messages across the world. /P 3 0 R 423 0 obj /K [9] /Pg 21 0 R /P 3 0 R /Type /StructElem /P 3 0 R /CS /DeviceRGB 395 0 obj >> >> /XObject << << >> /F10 616 0 R /Font << /Pg 28 0 R 273 0 obj 184 0 obj << /Type /Group /StructParents 89 /Font << /S /P /Pg 39 0 R /P 3 0 R >> 241 0 obj /P 3 0 R >> endobj /Pg 41 0 R /Pg 30 0 R << /S /H1 1070 0 R 1071 0 R 1072 0 R 1073 0 R 1074 0 R 1075 0 R 247 0 R] /S /P version 1 for the CH-DD direct debit scheme and 303 0 obj /S /Figure /Pg 30 0 R << << >> /S /Figure /P 3 0 R >> >> >> /K [12] << /S /Link /F7 613 0 R /P 3 0 R /K [16] endobj 1277 0 R 1278 0 R 1279 0 R 467 0 R] endobj 106 0 obj endobj SIX offers smart, flexible solutions for banks issuing debit cards. /P 3 0 R << >> The Swiss financial center is introducing beneficial standards, and also taking the opportunity to harmonize payments. 501 0 obj /K [2] /Font << /XObject << /Group << 504 0 obj /Type /StructElem /K [1332 0 R] /F4 523 0 R In February, 2016, Payments Canada completed the multi-year development of new ISO 20022 payments messages for AFT, related rules and standards, and an adoption strategy for its participant financial institutions. /S /H3 << 408 0 obj Read How Financial Institutions Can Unlock Value From APIs. /Group << /Meta15 517 0 R << /Pg 37 0 R >> /XObject << << << Ministry of Labour, Immigration, Training and Skills Development, You are now in the table of contents for this book, Business and information technology consultants exception, Mandatory poster and information sheets for employers, Written policy on disconnecting from work, Written policy on electronic monitoring of employees, Employment standards enforcement statistics. /P 3 0 R /Resources << endobj /A 1490 0 R 434 0 obj << endobj /K [778 0 R 779 0 R] << 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 /Type /StructElem endobj /K [1355 0 R 1356 0 R 1357 0 R] 363 0 obj /K [868 0 R 769 0 R] /Pg 37 0 R /K [6] >> >> /K [33] /F5 525 0 R >> >> /S /P /P 3 0 R >> >> /F2 521 0 R endobj 2023 Payment Standards Effective 10/19/2022 - 12/31/2023. /CS /DeviceRGB /S /Footer 359 0 obj /S /Table >> /K [1481 0 R] /P 3 0 R /P 3 0 R endobj /K [6] /Type /StructElem /K [12] /MSIP_Label_61354688-28ff-43f9-ae7a-258f2522a8ce_Name (C1 Public) /P 3 0 R Effective March 8, 2022 . /Pg 40 0 R /K [1360 0 R 1361 0 R 1362 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. /K [1364 0 R] 2 0 obj 465 0 obj /Type /StructElem /P 3 0 R /K [1527 0 R 1528 0 R] endobj Some employees earn commissions or bonuses based on sales made in a pay period. /Pg 29 0 R << /Type /StructElem /K [16] >> /Pg 16 0 R 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 /Type /StructElem 285 0 obj /Type /StructElem 107 0 obj /Type /StructElem /F10 616 0 R /P 3 0 R /Pg 12 0 R 349 0 obj /S /Footer /S /Header /Type /StructElem << /Pg 12 0 R /K [776 0 R 777 0 R] << endobj /Type /StructElem 2021 to 2022 Service Standards for Transfer Payment Programs 8 0 obj Implementation Guidelines for Credit Transfers (Version 2.0.2), Implementation Guidelines for Cash Management (Version 2.0.2). /S /Header /Resources << /K [7] endobj << The employer is required to provide the information no later than: The employer is required to provide the information with respect to each stub year or vacation entitlement year only once. endobj 389 0 obj 250 0 obj << >> endobj /P 3 0 R << /P 3 0 R >> /S /Transparency /F4 523 0 R /MediaBox [0 0 595.32 842.04] 143 0 obj /P 3 0 R endobj /Parent 2 0 R /K [1024 0 R 1027 0 R 1026 0 R] /Pg 16 0 R This material was prepared exclusively for the benefit and internal use of the JPMorgan client to whom it is directly addressed (including such clients subsidiaries, the Company) in order to assist the Company in evaluating a possible transaction(s) and does not carry any right of disclosure to any other party. /K [1333 0 R] 500 0 obj << /Type /StructElem endobj /K [1530 0 R 1531 0 R] /Type /StructElem /S /Table /S /TOC /S /P >> 139 0 obj /K [1448 0 R] endobj /P 3 0 R /P 3 0 R Every November an ordinary standard release takes place. >> /F7 613 0 R >> According to Stephen Lindsay, SWIFT Head of Standards, Major currencies will be operating with ISO before 2025 to reap the benefits.. /Type /StructElem << /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] 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 /XObject << /K [798 0 R 799 0 R] /P 3 0 R /P 3 0 R /F7 613 0 R /Pg 30 0 R 1294 0 R 1295 0 R 1296 0 R 1297 0 R 1298 0 R 1299 0 R 1300 0 R 1301 0 R 476 0 R 477 0 R endobj << /K [866 0 R 765 0 R] Completed consultations can be foundin the archive. /S /P /Group << /Type /StructElem /Type /StructElem /Type /StructElem /S /Figure /P 3 0 R /P 3 0 R << /P 3 0 R 223 0 obj >> /Type /Page /Type /StructElem << endobj /K [756 0 R 757 0 R] /S /Table /Pg 30 0 R /K [1316 0 R 1317 0 R] endobj 161 0 obj >> >> >> << These improvements will support domestic commerce and strengthen Canadas competitiveness as a trading nation. 366 0 obj /Pg 18 0 R /Pg 25 0 R endobj endobj << /K [0] << $161. /F13 623 0 R /Pg 33 0 R /S /H3 >> /Pg 42 0 R /P 3 0 R /CS /DeviceRGB /Pg 40 0 R /Type /StructElem >> In 2022, Payments Canada systems cleared and settled $119 trillion or $476 billion every business day. >> >> >> /K [1324 0 R] >> << /Pg 33 0 R The federal government recently announced that GST credit amounts will be doubled for a 6 month period this year. /F2 521 0 R /Type /StructElem 249 0 obj /Pg 27 0 R endobj /P 3 0 R endobj << /K [997 0 R 1007 0 R 999 0 R] /Pg 37 0 R The Payment Standard refers to the maximum amount of subsidy HPD will pay for an apartment of the same size. /K [13] /Pg 37 0 R /Pg 34 0 R With ISO 20022, financial institutions can screen more readable content, recognizing where data starts and ends to assess payments in context. /Type /StructElem /P 3 0 R /Pg 28 0 R The Canadian economy depends on the exchange of billions of dollars each day. View Infographic Version, With structure and dedicated fields for payment details, the formatting standard creates communication efficiency. /Type /StructElem << endobj /P 3 0 R 319 0 obj >> /S /Transparency endobj << /K [9] << /P 3 0 R 429 0 obj /Pg 32 0 R >> /Type /StructElem endobj /S /Header /Pg 39 0 R direct deposit, which includes Interac e-Transfer, into the employee's account at a bank or other financial institution. /Resources << /Footnote /Note /P 3 0 R >> /S /P 307 0 obj /S /Footer /Pg 24 0 R /Font << /GS6 518 0 R /S /Header /K [13] endobj /S /P /K [23] 354 0 obj /Type /StructElem /K [21] 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.
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