pacs008 scheme changes Dated ISO 20022 scheme rule changes for CBPR+, CHAPS and related profiles https://pacs008.com/scheme-changes/ 2026-07-28T00:00:00Z pacs008 CBPR-ADDR-001 — Fully unstructured postal address is not accepted tag:pacs008.com,2026-11-14:CBPR-ADDR-001 2026-11-14T00:00:00Z From 14 November 2026 a fully unstructured postal address is rejected in CBPR+ payment messages. CBPR-ADDR-002 — Town Name is mandatory in a structured element tag:pacs008.com,2026-11-14:CBPR-ADDR-002 2026-11-14T00:00:00Z Town Name must be carried in TwnNm, not in an address line. CBPR-ADDR-003 — Country is mandatory as a two-letter ISO 3166 code tag:pacs008.com,2026-11-14:CBPR-ADDR-003 2026-11-14T00:00:00Z Country must be carried in Ctry as a two-letter ISO 3166 alpha-2 code. CBPR-ADDR-004 — Hybrid postal address is accepted tag:pacs008.com,2025-11-22:CBPR-ADDR-004 2025-11-22T00:00:00Z A hybrid address — structured Town Name and Country alongside address lines — is accepted, both before and after the November 2026 change. CBPR-ADDR-005 — Agent identified by BIC only is exempt tag:pacs008.com,2026-11-14:CBPR-ADDR-005 2026-11-14T00:00:00Z For agent fields, BIC-only identification remains valid; no postal address is required. CBPR-ADDR-006 — Message types excepted from the address requirement tag:pacs008.com,2026-11-14:CBPR-ADDR-006 2026-11-14T00:00:00Z The structured address requirement does not apply to admi.024, camt.025, camt.052, camt.053, camt.054 and camt.060. CHAPS-ADDR-001 — CHAPS validation library rejects fully unstructured addresses tag:pacs008.com,2026-11-14:CHAPS-ADDR-001 2026-11-14T00:00:00Z From November 2026 the CHAPS validation library rejects payments carrying a fully unstructured address. Hybrid is the minimum acceptable form. CHAPS-PURP-001 — Purpose codes become mandatory on all CHAPS payments tag:pacs008.com,2027-11-01:CHAPS-PURP-001 2027-11-01T00:00:00Z From November 2027 the Bank of England requires a purpose code on all CHAPS payments, extending the earlier property and FI-to-FI requirement. CHAPS-RMT-001 — Structured remittance information becomes mandatory for CHAPS tag:pacs008.com,2027-11-01:CHAPS-RMT-001 2027-11-01T00:00:00Z From November 2027 remittance information carried in CHAPS payments must be structured.