Validation Rules for Non-SWIFT Electronic Funds Transfer (Incoming) Reports (EFTI)
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Date - March 15, 2021
The purpose of this document is to provide reporting entities with the validation specifications of Non-SWIFT Electronic Funds Transfer (Incoming) Reports (EFTI) submitted to the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC).
Part 0 - General information about the reporting entity
EFTI.0.1a: Reporting entity's report reference number
Reject this report if the user provided text that did not contain only alpha character, numbers, dashes or underscores up to 20 characters.
Reject this report if the user provided a report reference number which is not unique for this RE.
Reject this report if the report has been segregated.
Reject this report if the previous version of this report (should it exist) is more than 7 years old.
EFTI.0.2: Contact's surname
Reject this report if the user did not provide a value and the report was sent in via F2R.
EFTI.0.3: Contact's given name
Reject this report if the user did not provide a value and the report was sent in via F2R.
EFTI.0.5: Contact's telephone number
Reject this report if the user did not provide a value and the report was sent in via F2R.
Reject this report if the user provided a value that did not contain 0 to 20 numbers, dashes, commas, periods, spaces or round brackets.
EFTI.0.6: Contact's telephone extension number
Send a warning if the user provided a value that does not contain up to 10 numbers, dashes, commas, periods, spaces or round brackets.
Part A - Transaction information
EFTI.A.1: Time of transmission
Reject this report if the user provided a value that is not one of the following formats:
- HH:mm:ss
- HHmmss
EFTI.A.2: Date of transmission
Reject this report if the user did not provide a value into this field.
Reject this report if the user provided a date that is not in one of the following formats:
- yyyy-MM-dd
- yyyy/MM/dd
- yyyy MM dd
- yyyyMMdd
Reject this report if the user provided a date that is not before today.
Reject this report if the user provided a date that is not after or equal to 2003-03-31.
EFTI.A.3: Amount of transaction
Reject this report if the user did not provide a value into this field.
Reject this report if the user provided an amount that is not the correct format:
- Number of digits, decimal separator and 2 digits (optional).
- When the thousand separator is “,” we only accept “.” for the decimal separator.
- When the thousand separator is a space, we accept both “.” or “,” for decimal separator.
- If a thousand separator (“,” or space) is used, only one type can be used, but not both.
- If a decimal separator is used, two decimal places must be provided.
- A currency sign such as “$” is not an acceptable character.
Reject this report if the 24-hour rule indicator is off , EFTI.A.4 is not CAD , and the transaction amount is below $ 9000 CAD on the date of one of EFTI.A.2.
Reject this report if the 24-hour rule indicator is off , EFTI.A.4 is CAD , and the transaction amount is below $ 10000 CAD on the date of one of EFTI.A.2.
Reject this report if the 24-hour rule indicator is on , EFTI.A.4 is CAD , and the transaction amount is above $ 10000 CAD on the date of one of EFTI.A.2.
Reject this report if the 24-hour rule indicator is on , EFTI.A.4 is not CAD , and the transaction amount is above $ 11000 CAD on the date of one of EFTI.A.2.
EFTI.A.3a: 24-hour rule indicator
Reject this report if the user did not provide a value into this field.
Reject this report if the user provided a value that is not a whole number between 0 and 1.
EFTI.A.4: Transaction currency
Reject this report if the user did not provide a value into this field.
Reject this report if the user provided text that is not between 3 and 3 characters, containing only alpha characters.
Reject this report if the user provided a value not in the list:
- All ISO Currencies
EFTI.A.5: Exchange rate
Send a warning if the user provided a value that is not a number with decimal places. The decimal delimiter can either be a '.' or ','.
Reject this report if the user provided a value other than 0 or 1 and EFTI.A.4 equals 'Canadian Dollar'.
Part B - Information about the client ordering the EFT
EFTI.B.1: Full name of entity
Reject this report if the user did not provide a value and the 24-hour rule indicator is off and all EFTI.B.2, EFTI.B.3 are empty.
Reject this report if the user provided a value in this field as well as a value in EFTI.B.2. Only one or the other field is allowed to have a value.
EFTI.B.2: Surname
Reject this report if the user did not provide a value and the 24-hour rule indicator is off and any EFTI.B.1 are blank.
Reject this report if the user provided a value in this field as well as a value in EFTI.B.1. Only one or the other field is allowed to have a value.
EFTI.B.3: Given name
Reject this report if the user did not provide a value and the 24-hour rule indicator is off and any EFTI.B.1 are blank.
Reject this report if the user provided a value in this field as well as a value in EFTI.B.1. Only one or the other field is allowed to have a value.
EFTI.B.4: Other name/initial
Reject this report if the user provided a value in this field as well as a value in EFTI.B.1. Only one or the other field is allowed to have a value.
EFTI.B.7: Country
Reject this report if the user provided text that is not between 2 and 2 characters, containing only alpha characters.
Reject this report if the user provided a value not in the list:
- All ISO Countries
EFTI.B.8: Province or state
Reject this report if the province/state name does not correspond with the country provided OR is not a valid Canadian, US or Mexican province/state name given the country EFTI.B.7.
EFTI.B.9: Postal or zip code
Reject this report if the postal code provided is not a valid Canadian postal code OR if the ZIP code provided is not a valid US ZIP code OR if the postal code provided is not alphanumeric for countries entered in EFTI.B.7 other than Canada and the United States.
EFTI.B.10: Telephone number
Send a warning if the user provided a value that did not contain 0 to 20 numbers, dashes, commas, periods, spaces or round brackets.
EFTI.B.11: Individual's date of birth
Reject this report if the user provided a value and any of EFTI.B.1 are not empty.
Reject this report if the user provided a date that is not in one of the following formats:
- yyyy-MM-dd
- yyyy/MM/dd
- yyyy MM dd
- yyyyMMdd
Reject this report if the user provided a date that is not before today.
Send a warning if the user provided a date that is not within the last 120 years.
EFTI.B.12: Individual's occupation
Reject this report if the user provided a value and any of EFTI.B.1 are not empty.
EFTI.B.14: Individual's identifier type
Send a warning if the user did not provide a value and all other fields EFTI.B.2, EFTI.B.15 are not blank.
Reject this report if the user provided a value and any of EFTI.B.1 are not empty.
Reject this report if the user provided text that is not between 1 and 1 characters, containing only alpha characters.
Reject this report if the user provided a value not in the list:
- A - Driver's licence
- B - Birth certificate
- C - Provincial health card
- D - Passport
- F - Rec. of landing/ Perm. resident card
- E - Other
EFTI.B.14a: Other type description
Reject this report if the user did not provide a value and EFTI.B.14 is 'Other'.
Reject this report if the user provided a value and EFTI.B.14 is not 'Other'.
EFTI.B.15: Identification number
Reject this report if the user provided a value and any of EFTI.B.1 are not empty.
Send a warning if the EFTI.B.14a contains 'SIN' and this field does not equal 'N/A'.
Part C - Information about the sender of the EFT
EFTI.C.1: Full name of entity
Reject this report if the user did not provide a value and the 24-hour rule indicator is off and all EFTI.C.2, EFTI.C.3 are empty.
Reject this report if the user provided a value in this field as well as a value in EFTI.C.2. Only one or the other field is allowed to have a value.
EFTI.C.2: Surname
Reject this report if the user did not provide a value and the 24-hour rule indicator is off and any EFTI.C.1 are blank.
Reject this report if the user provided a value in this field as well as a value in EFTI.C.1. Only one or the other field is allowed to have a value.
EFTI.C.3: Given name
Reject this report if the user did not provide a value and the 24-hour rule indicator is off and any EFTI.C.1 are blank.
Reject this report if the user provided a value in this field as well as a value in EFTI.C.1. Only one or the other field is allowed to have a value.
EFTI.C.4: Other name/initial
Reject this report if the user provided a value in this field as well as a value in EFTI.C.1. Only one or the other field is allowed to have a value.
EFTI.C.5: Street address
Send a warning if the user did not provide a value and the 24-hour rule indicator is off.
EFTI.C.6: City
Reject this report if the user did not provide a value and the 24-hour rule indicator is off.
EFTI.C.7: Country
Reject this report if the user did not provide a value and the 24-hour rule indicator is off.
Reject this report if the user provided text that is not between 2 and 2 characters, containing only alpha characters.
Reject this report if the user provided a value not in the list:
- All ISO Countries
Reject this report if the user provided a value that equals CA.
EFTI.C.8: Province or state
Reject this report if the user did not provide a value and the 24-hour rule indicator is off and EFTI.C.7 is one of CA, US, MX.
Reject this report if the province/state name does not correspond with the country provided OR is not a valid Canadian, US or Mexican province/state name given the country EFTI.C.7.
EFTI.C.9: Postal or zip code
Send a warning if the user did not provide a value and the 24-hour rule indicator is off and EFTI.C.7 is one of CA, US.
Reject this report if the postal code provided is not a valid Canadian postal code OR if the ZIP code provided is not a valid US ZIP code OR if the postal code provided is not alphanumeric for countries entered in EFTI.C.7 other than Canada and the United States.
Part D - Information about a third party if the client ordering the EFT is acting on behalf of a third party
EFTI.D.1: Full name of entity
Reject this report if the user provided a value in this field as well as a value in EFTI.D.2. Only one or the other field is allowed to have a value.
EFTI.D.2: Surname
Reject this report if the user provided a value in this field as well as a value in EFTI.D.1. Only one or the other field is allowed to have a value.
EFTI.D.3: Given name
Reject this report if the user provided a value in this field as well as a value in EFTI.D.1. Only one or the other field is allowed to have a value.
EFTI.D.4: Other name/initial
Reject this report if the user provided a value in this field as well as a value in EFTI.D.1. Only one or the other field is allowed to have a value.
EFTI.D.7: Country
Reject this report if the user provided text that is not between 2 and 2 characters, containing only alpha characters.
Reject this report if the user provided a value not in the list:
- All ISO Countries
EFTI.D.8: Province or state
Reject this report if the province/state name does not correspond with the country provided OR is not a valid Canadian, US or Mexican province/state name given the country EFTI.D.7.
EFTI.D.9: Postal or zip code
Reject this report if the postal code provided is not a valid Canadian postal code OR if the ZIP code provided is not a valid US ZIP code OR if the postal code provided is not alphanumeric for countries entered in EFTI.D.7 other than Canada and the United States.
EFTI.D.10: Individual's date of birth
Reject this report if the user provided a value and any of EFTI.D.1 are not empty.
Reject this report if the user provided a date that is not in one of the following formats:
- yyyy-MM-dd
- yyyy/MM/dd
- yyyy MM dd
- yyyyMMdd
Reject this report if the user provided a date that is not before today.
Reject this report if the user provided a date that is not within the last 120 years.
EFTI.D.11: Individual's occupation
Reject this report if the user provided a value and any of EFTI.D.1 are not empty.
EFTI.D.12: Individual's identifier type
Reject this report if the user provided a value and any of EFTI.D.1 are not empty.
Reject this report if the user provided text that is not between 1 and 1 characters, containing only alpha characters.
Reject this report if the user provided a value not in the list:
- A - Driver's licence
- B - Birth certificate
- C - Provincial health card
- D - Passport
- F - Rec. of landing/ Perm. resident card
- E - Other
EFTI.D.12a: Other type description
Reject this report if the user did not provide a value and EFTI.D.12 is 'Other'.
Reject this report if the user provided a value and EFTI.D.12 is not 'Other'.
Part E - Information about the receiver of the EFT
EFTI.E.5: Reporting entity's location number
Reject this report if the user did not provide a value into this field.
Reject this report if the user provided text that is not between 1 and 15 characters, containing only alpha and numeric characters.
Reject this report if the user provided a branch location that is invalid for the reporting entity given the constraint ' ValidCA '.
- None: check to make sure this is a valid branch.
- CAOnly: check to make sure this branch is in Canada.
- ValidCA: check to make sure this branch is valid and is in Canada.
- PortCode: check to make sure this branch is valid or a valid port code.
Part F - Information about the beneficiary client
EFTI.F.1: Full name of entity
Reject this report if the user did not provide a value and the 24-hour rule indicator is off and all EFTI.F.2, EFTI.F.3 are empty.
Reject this report if the user provided a value in this field as well as a value in EFTI.F.2. Only one or the other field is allowed to have a value.
EFTI.F.2: Surname
Reject this report if the user did not provide a value and the 24-hour rule indicator is off and any EFTI.F.1 are blank.
Reject this report if the user provided a value in this field as well as a value in EFTI.F.1. Only one or the other field is allowed to have a value.
EFTI.F.3: Given name
Reject this report if the user did not provide a value and the 24-hour rule indicator is off and any EFTI.F.1 are blank.
Reject this report if the user provided a value in this field as well as a value in EFTI.F.1. Only one or the other field is allowed to have a value.
EFTI.F.4: Other name/initial
Reject this report if the user provided a value in this field as well as a value in EFTI.F.1. Only one or the other field is allowed to have a value.
EFTI.F.7: Country
Reject this report if the user provided text that is not between 2 and 2 characters, containing only alpha characters.
Reject this report if the user provided a value not in the list:
- All ISO Countries
EFTI.F.8: Province or state
Reject this report if the province/state name does not correspond with the country provided OR is not a valid Canadian, US or Mexican province/state name given the country EFTI.F.7.
EFTI.F.9: Postal or zip code
Reject this report if the postal code provided is not a valid Canadian postal code OR if the ZIP code provided is not a valid US ZIP code OR if the postal code provided is not alphanumeric for countries entered in EFTI.F.7 other than Canada and the United States.
EFTI.F.10: Telephone number
Send a warning if the user provided a value that did not contain 0 to 20 numbers, dashes, commas, periods, spaces or round brackets.
EFTI.F.11: Individual's date of birth
Reject this report if the user provided a value and any of EFTI.F.1 are not empty.
Reject this report if the user provided a date that is not in one of the following formats:
- yyyy-MM-dd
- yyyy/MM/dd
- yyyy MM dd
- yyyyMMdd
Reject this report if the user provided a date that is not before today.
Reject this report if the user provided a date that is not within the last 120 years.
EFTI.F.12: Individual's occupation
Reject this report if the user provided a value and any of EFTI.F.1 are not empty.
EFTI.F.14: Individual's identifier type
Reject this report if the user provided a value and any of EFTI.F.1 are not empty.
Reject this report if the user provided text that is not between 1 and 1 characters, containing only alpha characters.
Reject this report if the user provided a value not in the list:
- A - Driver's licence
- B - Birth certificate
- C - Provincial health card
- D - Passport
- F - Rec. of landing/ Perm. resident card
- E - Other
EFTI.F.14a: Other type description
Reject this report if the user did not provide a value and EFTI.F.14 is 'Other'.
Reject this report if the user provided a value and EFTI.F.14 is not 'Other'.
Part G - Information about a third party if the beneficiary client is acting on behalf of a third party
EFTI.G.1: Full name of entity
Reject this report if the user provided a value in this field as well as a value in EFTI.G.2. Only one or the other field is allowed to have a value.
EFTI.G.2: Surname
Reject this report if the user provided a value in this field as well as a value in EFTI.G.1. Only one or the other field is allowed to have a value.
EFTI.G.3: Given name
Reject this report if the user provided a value in this field as well as a value in EFTI.G.1. Only one or the other field is allowed to have a value.
EFTI.G.4: Other name/initial
Reject this report if the user provided a value in this field as well as a value in EFTI.G.1. Only one or the other field is allowed to have a value.
EFTI.G.7: Country
Reject this report if the user provided text that is not between 2 and 2 characters, containing only alpha characters.
Reject this report if the user provided a value not in the list:
- All ISO Countries
EFTI.G.8: Province or state
Reject this report if the province/state name does not correspond with the country provided OR is not a valid Canadian, US or Mexican province/state name given the country EFTI.G.7.
EFTI.G.9: Postal or zip code
Reject this report if the postal code provided is not a valid Canadian postal code OR if the ZIP code provided is not a valid US ZIP code OR if the postal code provided is not alphanumeric for countries entered in EFTI.G.7 other than Canada and the United States.
EFTI.G.10: Individual's date of birth
Reject this report if the user provided a value and any of EFTI.G.1 are not empty.
Reject this report if the user provided a date that is not in one of the following formats:
- yyyy-MM-dd
- yyyy/MM/dd
- yyyy MM dd
- yyyyMMdd
Reject this report if the user provided a date that is not before today.
Reject this report if the user provided a date that is not within the last 120 years.
EFTI.G.11: Individual's occupation
Reject this report if the user provided a value and any of EFTI.G.1 are not empty.
EFTI.G.12: Individual's identifier type
Reject this report if the user provided a value and any of EFTI.G.1 are not empty.
Reject this report if the user provided text that is not between 1 and 1 characters, containing only alpha characters.
Reject this report if the user provided a value not in the list:
- A - Driver's licence
- B - Birth certificate
- C - Provincial health card
- D - Passport
- F - Rec. of landing/ Perm. resident card
- E - Other
EFTI.G.12a: Other type description
Reject this report if the user did not provide a value and EFTI.G.12 is 'Other'.
Reject this report if the user provided a value and EFTI.G.12 is not 'Other'.
- Date Modified: