January 2026: On the Wire - Newsletter

November 2026 release

On Nov. 16, 2026, the Fedwire^® Funds Service intends to implement the changes detailed below to ensure interoperability with modifications that Swift^® and CHIPS^® (peer operator) will make. Please review each change and required actions to ensure your institution knows how to avoid business disruptions.

Description of change	Action required
Replacement of current unstructured postal address format (three lines of 35 characters each) with a hybrid postal address format for all persons/entities and financial institutions. The hybrid postal address format requires at least the town name and country. (Additional information may be provided in other structured address elements and/or two free-formatted text lines of 70 characters each.)	Conduct impact analysis of all internal and external systems related to postal address format change (e.g., collect town name and country information). Engage with internal software developers and/or software vendors (e.g., core systems, compliance systems, fraud detection) to make necessary changes. Implement and test changes. Confirm with your legal and compliance teams whether additional postal address requirements (beyond minimum of town name and country) should be provided.
Introduction of a pattern representing the character set at the XSD schema level for text elements (the permissible set of special characters are not changing).	Review for awareness.
Enhancements to the investigation messages (camt.110/camt.111) to enable better structuring of frequently used investigation use cases.	Determine impact on your investigation processes. Implement changes to support enhanced investigation message format.
Enhancements to the FedPayments® Manager – Funds application (e.g., Create Payment Return feature for past messages, response feature for incoming return requests, drawdown requests, and investigation requests).	Review the scope document available in the “Help” link within the FedPayments Manager – Funds application (under General in the left navigation). Train your team and test the new features.

Resources to help you prepare for upcoming changes

To help you plan and prepare for the November 2026 release, we will continue to provide important information and resources. We highly recommend that you:

• Review November 2026 format specifications (i.e., Implementation Guide, Readiness Portal Guide, usage guidelines) available on Swift’s MyStandards^® platform
• Watch the on-demand webinar about the November 2026 release and attend our drop-in sessions (see below for registration information)
• Coming soon: Review preparedness checklists (customized by customer type)

November 2026 release drop-in session

Join us on Wednesday, Feb. 11 at 2 p.m. ET to:

• Get answers to your specific questions about the November 2026 release
• Address any other implementation concerns
• Connect directly with our technical specialists

(Register here.) We highly recommend that you watch the on-demand webinar about the November 2026 release before attending the drop-in session.

Testing requirements

We plan to make the changes available in the DIT2 environment in May 2026 to provide customers with six months to conduct testing. Detailed information about testing requirements (e.g., mandatory testing group, testing opportunities) is available on the Fedwire Funds Service ISO 20022 Implementation Center.

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