ValidateFin

Fedwire pacs.008 — unstructured address, settling after 16/11/2026

The creditor address is three free-text lines with no town and no country. Valid against the XSD, rejected by the rule: from 16 November 2026 Fedwire removes the fully unstructured address.

pacs.008.001.08 — Invalid

The creditor address is three free-text lines with no town and no country. Valid against the XSD, rejected by the rule: from 16 November 2026 Fedwire removes the fully unstructured address.

Fedwire ISO 20022 message (US) pacs.008.001.08 Federal Reserve — Fedwire Funds Service (ISO 20022, live since 14/07/2025)Expected result: Invalid — 1 errors

What this file shows

The creditor address is three free-text lines with no town and no country. Valid against the XSD, rejected by the rule: from 16 November 2026 Fedwire removes the fully unstructured address.

Transactions1
Total$125,000.00
Date in the file2026-11-20

The defects it carries

  • ADDR-2026Postal address is not in the hybrid format required from 16/11/2026

Quoted verbatim from the validator, not paraphrased.

Last verified: License: CC-BY-4.0
Download the file Open the matching validator

Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.

File content

<?xml version="1.0" encoding="UTF-8"?>
<Envelope>
    <AppHdr xmlns="urn:iso:std:iso:20022:tech:xsd:head.001.001.03">
        <Fr>
            <FIId>
                <FinInstnId>
                    <BICFI>CHASUS33XXX</BICFI>
                    <ClrSysMmbId>
                        <ClrSysId>
                            <Cd>USABA</Cd>
                        </ClrSysId>
                        <MmbId>021000021</MmbId>
                    </ClrSysMmbId>
                </FinInstnId>
            </FIId>
        </Fr>
        <To>
            <FIId>
                <FinInstnId>
                    <BICFI>PNBPUS3NNYC</BICFI>
                    <ClrSysMmbId>
                        <ClrSysId>
                            <Cd>USABA</Cd>
                        </ClrSysId>
                        <MmbId>021000089</MmbId>
                    </ClrSysMmbId>
                </FinInstnId>
            </FIId>
        </To>
        <BizMsgIdr>20261120CHASUS33001</BizMsgIdr>
        <MsgDefIdr>pacs.008.001.08</MsgDefIdr>
        <CreDt>2026-11-20T09:30:00Z</CreDt>
    </AppHdr>
    <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08">
        <FIToFICstmrCdtTrf>
            <GrpHdr>
                <MsgId>20261120CHASUS33001</MsgId>
                <CreDtTm>2026-11-20T09:30:00</CreDtTm>
                <NbOfTxs>1</NbOfTxs>
                <SttlmInf>
                    <SttlmMtd>CLRG</SttlmMtd>
                </SttlmInf>
            </GrpHdr>
            <CdtTrfTxInf>
                <PmtId>
                    <InstrId>FDW20261120001</InstrId>
                    <EndToEndId>INV-2026-8842</EndToEndId>
                    <UETR>7a56b2c4-1f3e-4d9a-b8e5-2c1a9f7d3b60</UETR>
                </PmtId>
                <IntrBkSttlmAmt Ccy="USD">125000.00</IntrBkSttlmAmt>
                <IntrBkSttlmDt>2026-11-20</IntrBkSttlmDt>
                <ChrgBr>SHAR</ChrgBr>
                <Dbtr>
                    <Nm>Northwind Manufacturing Inc</Nm>
                    <PstlAdr>
                        <StrtNm>West 57th Street</StrtNm>
                        <BldgNb>240</BldgNb>
                        <PstCd>10019</PstCd>
                        <TwnNm>New York</TwnNm>
                        <CtrySubDvsn>NY</CtrySubDvsn>
                        <Ctry>US</Ctry>
                    </PstlAdr>
                </Dbtr>
                <DbtrAcct>
                    <Id>
                        <Othr>
                            <Id>4417820033</Id>
                        </Othr>
                    </Id>
                </DbtrAcct>
                <DbtrAgt>
                    <FinInstnId>
                        <BICFI>CHASUS33XXX</BICFI>
                        <ClrSysMmbId>
                            <ClrSysId>
                                <Cd>USABA</Cd>
                            </ClrSysId>
                            <MmbId>021000021</MmbId>
                        </ClrSysMmbId>
                    </FinInstnId>
                </DbtrAgt>
                <CdtrAgt>
                    <FinInstnId>
                        <BICFI>PNBPUS3NNYC</BICFI>
                        <ClrSysMmbId>
                            <ClrSysId>
                                <Cd>USABA</Cd>
                            </ClrSysId>
                            <MmbId>021000089</MmbId>
                        </ClrSysMmbId>
                    </FinInstnId>
                </CdtrAgt>
                <Cdtr>
                    <Nm>Pacific Components LLC</Nm>
                    <PstlAdr>
                        <AdrLine>Pacific Components LLC</AdrLine>
                        <AdrLine>1355 Market Street, Suite 900</AdrLine>
                        <AdrLine>San Francisco CA 94103 US</AdrLine>
                    </PstlAdr>
                </Cdtr>
                <CdtrAcct>
                    <Id>
                        <Othr>
                            <Id>9920014455</Id>
                        </Othr>
                    </Id>
                </CdtrAcct>
                <RmtInf>
                    <Ustrd>Invoice 8842 - Q4 component delivery</Ustrd>
                </RmtInf>
            </CdtTrfTxInf>
        </FIToFICstmrCdtTrf>
    </Document>
</Envelope>

How we know these results hold

Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.

Fedwire ISO 20022 message (US)

All sample fileshttps://validatefin.com/samples/fedwire-unstructured-address.xml