Account Reporting Frequently Asked Questions

General Questions

1. Which reports are mandatory or optional to receive?

   Customers that access the Fedwire^® Funds Service via the FedLine Direct^® Solution are only required to be able to receive the Endpoint Totals Report and the Endpoint Gap Report as follows:

   • The Endpoint Totals Report will be sent by the Fedwire Funds Service on a nightly basis for each endpoint with activity during the funds-transfer business day.
   • The Endpoint Gap Report will be sent in the event of a contingency situation to inform each FedLine Direct endpoint owner about its Fedwire Funds Service message traffic on the day of the contingency event, regardless of whether there are any gaps in message sequence numbers for that endpoint.

    

   All other reports are optional for customers to receive (i.e., Account Balance Report, Activity Report, and Endpoint Details Report).

2. How do we opt-out of receiving optional reports?

   Contact your Federal Reserve Bank Services Support Center — Fedwire Services Contacts who can assist you with this request. Please indicate which optional Fedwire Funds Service reports (i.e., Account Balance Report or Activity Report) you want to opt-out of. Please note, the Endpoint Details Report is also an optional report, but it can only be requested so if you don’t need this report, simply do not request it.

3. Are these reports requested for current day only or can you request them for past business days?

   You can only request reports for the current funds-transfer business day.

4. When can we start testing the reports in the DIT2 environment?

   All reports are now available for testing in the DIT2 environment.

5. Today, we can request reports after Fedwire Funds Service closes for the day until around 7:15 p.m. ET. Will we be able to do that after the ISO 20022 implementation in March 2025?

   Yes, you will continue to be able to request reports after the Fedwire Funds Service closes until around 7:15 p.m. ET.

6. How will the Fedwire Funds Service reject a camt.060?

   The Fedwire Funds Service will send an admi.002 message to reject a camt.060 request.

7. What is the maximum size of a camt.052 message?

   Each camt.052 report sent by the Fedwire Funds Service will be delivered as one MQ message, which should not exceed 4 megabytes. The Activity Report is the only report that could be sent in multiple camt.052 messages.

8. Why is the EndToEndID missing in camt.052 messages?

   Camt.052 messages only contain information about direct Fedwire Funds Service customers so the EndToEndID is not needed in these reports. The EndToEndID reference is assigned by the Debtor to help with their reconciliation.

Account Balance Report

1. What is the difference between the Master and Self Account Balance Report?

   A “self” account balance report includes the activity for a single individual routing number, whereas a “master” account balance report includes the aggregate balance for all subaccounts rolled up to the single master account.

2. Will the Account Balance Report include an entry for the FedNow^® Service?

   Yes, the Account Balance Report will include a Transaction Summary for the FedNow Service, but if you are not participating in the FedNow Service, then the Transaction Summary for the FedNow Service will contain zeros.

3. Can anyone solicit account balance reports?

   No. Your routing number must be set up within the Fedwire Funds Service to request account balance reports. If the inquiry number in the camt.060 message is allowed to see a certain report, then the Fedwire Funds Service will deliver it; otherwise you will receive an admi.002 reject notification.

4. Where will the Account Balance Reports be delivered for customers that access the Fedwire Funds Service via the FedLine Direct Solution?

   All Account Balance Reports will be delivered to your acknowledgement queue.

5. When would we receive the Account Balance Report with Report Identification “PRDC” vs “ABMS”?

   You will only receive “PRDC” intraday if you have subscribed to the Periodic Account Balance Report, which is only available as a “self” account balance report. You will receive “ABMS” intraday if you request the Account Balance Report, which is available as both a “master” and “self” account balance report.

6. In the Account Balance Report, how many occurrences do we need to accommodate for Balances and Total Entries Per Bank Transaction Code?

   You need to accommodate up to 4 occurrences for the Balance component (i.e., opening balance, daylight overdraft balance, available balance and account balance). Each occurrence of the Balance component will contain multiple pieces of information. The number of occurrences will depend on the account setup and type of balance being requested (i.e., Master will have 4 occurrences and Self will have 2 or 3 occurrences).

   You need to accommodate up to 8 occurrences for Total Entries Per Transaction Code. The number of occurrences will depend on the account setup and type of balance being requested (i.e., Master will have 8 occurrences and Self will have 7 occurrences). The transaction codes are as follows:

   • FDWF — Fedwire Funds Transfers
   • NSSE — National Settlement Service Entries
   • FDWS — Fedwire Securities Transfers
   • FDAP — Prefunded ACH Credit Items
   • FDNF — FedNow Funds Transfers
   • AVOT — Available All Other Activity
   • UVOT — Unavailable All Other Activity
   • MEMO — Memo Post Entries (Only for Master)

Endpoint Totals Report

1. Will everyone receive the Endpoint Totals Report at the end of the day?

   All customers that access the Fedwire Funds Service via the FedLine Direct Solution and sent and/or received messages during the funds-transfer business day will receive an unsolicited Endpoint Totals Report at the end of the day for each of your endpoints. However, if you didn't have any activity for an endpoint, then you won't receive the endpoint totals report.

2. Will the Endpoint Totals Report include system messages?

   No. The endpoint totals report only includes end-to-end value and nonvalue messages and does not include system messages sent to or received from the Fedwire Funds Service application.

3. What is the Account Owner component in the camt.060 message for the Endpoint Totals Report used for?

   There are two required elements in the Account Owner component.

   • The Agent element specifies the requestor of the account report message.
   • The Other element indicates the endpoint of the Fedwire Funds participant to whom the report will be delivered.

Endpoint Details Report

1. What is the Endpoint Details Report used for?

   You can use the Endpoint Details Report during the day to reconcile up to 100 individual transactions you sent or received at the time of your request.

2. How many messages can we request at a time for the Endpoint Details Report?

   With the ISO 20022 implementation, we are increasing the number of messages that you can request in a single Endpoint Details Report from 50 to up to 100 messages. If you need transaction details for more than 100 messages you need to submit multiple requests (e.g., one request with sequence numbers: 1-100, then 101-200, then 201-300, etc.).

3. What happens if we ask for more than 100 messages in the Endpoint Details Report request?

   The Fedwire Funds Service will reject the camt.060 request with an admi.002 message.

4. Why does the Transaction Summary in the Endpoint Details Report not have a Bank Transaction Code for value messages?

   Value messages are included in the Transaction Summary in the Total Credit Entries and Total Debit Entries data elements so they don’t have a Bank Transaction Code.

Endpoint Gap Report

1. Will we be able to test the Endpoint Gap Report in the DIT2 environment and the Production environment?

   You will not be able to test the Endpoint Gap Report in the DIT2 or Production environment prior to the March 10, 2025 implementation. We are planning to test this report with the first contingency test that occurs after the March 10, 2025 implementation, but the exact date for this test is to be determined.

2. During a contingency event, will we receive two Endpoint Gap Reports - one for sent messages (IMADs) and one for received messages (OMADs)?

   Yes. During a contingency event in which the Fedwire Funds Service sends Endpoint Gap Reports, we will send two gap reports for each participant’s endpoint.

Activity Report

1. Is the Fedwire Funds Service Subsidiary Statement the same thing as the Activity Report?

   Yes, they are the same. We just renamed the report.

2. What is the difference between the Activity Report and the Financial Institution Reconcile Data (FIRD) file?

   The Activity Report only includes information about your Fedwire Funds Service messages, while the FIRD file includes information about all of your transactions across all of the Federal Reserve Financial Services, including the Fedwire Funds Service.

3. We don’t use the Fedwire Funds Subsidiary Statement and use the FIRD (Financial Institution Reconcilement Data) file instead today. Do we have to sign up for the Activity Report?

   No, you don’t have to have to receive the Activity Report. In fact, if you have a high volume of transactions then we recommend that you sign up for the FIRD file. You can work with your Relationship Manager to set this up.

4. Is the format of the FIRD file also changing to the ISO 20022 format?

   The format of the FIRD file will remain in a proprietary format and there are currently no plans to change the format to an ISO 20022 format. However, with the ISO 20022 implementation for the Fedwire Funds Service, the Federal Reserve Banks will make changes to the following fields in the FIRD file, effective March 10, 2025.

   • The Reference Number fields will include spaces. Customers can use the Input Message Accountability Data (IMAD) as the reference number for reconciliation.
   • The Type Subtype field, which is four numeric characters today and contains Fedwire Funds Service tag {1510} Type Subtype, will include the ISO 20022 local instrument code. This code will be comprised of four alpha characters. See examples of the FIRD File Type Subtype Field below:

   Examples of the FIRD File Type Subtype Field

   Fedwire Funds Service Message Type	FIRD File Type Subtype Field
   	Today (4 numeric)	ISO 20022 (4 alpha)
   Customer Transfer	1000	CTRC
   Bank Transfer	1600	BTRC

5. Could you explain how pagination will work in the Activity Report?

   For the Activity Report delivered end-of-day to FedLine Direct customers who have subscribed to this report, customers may receive more than one MQ message depending on the total number of transactions (e.g., approximately 2,000 value and nonvalue messages) processed on a funds-transfer business day. High-volume customers that receive multiple camt.052 messages for the Activity Report should check the “Page Number” and “Last Page Indicator” elements in the Group Header to ensure all transactions are received for the funds-transfer business day. For example, if the Fedwire Funds Service sends you two camt.052 messages for the Activity Report, one message will contain Page Number “1” with Last Page Indicator “False” and the other message will contain Page Number “2” with Last Page Indicator “True.”

6. What is the max message size for the Activity Report?

   The maximum size of the camt.052 message for the Activity Report will be 4 megabytes, which represents approximately 2,000 transactions. Customers with a high volume of transactions (i.e., more than about 2,000 transactions) need to be prepared to receive multiple camt.052 messages for the Activity Report.

   In lieu of receiving the Activity Report, customers can subscribe to the Financial Institution Reconcile Data (FIRD), a machine-readable reconcilement data file, which contains the same Fedwire Funds Service information as the Activity Report except for the Instruction Identification (this will be blank in the FIRD file). The FIRD file also contains information about all of the transactions you send/receive across all Federal Reserve Financial Services. For additional information about the FIRD file, refer to the Account Management Guide or Contact Us to learn about subscribing to this service.

FedPayments Manager — Funds Reports

1. What reports will be available in the FedPayments Manager — Funds application?

   We will continue to provide links to the Account Balance Report and Activity Report (which is known as the Fedwire Funds Subsidiary Statement today) in the FedPayments Manager – Funds application.

2. Can you send a camt.060 message to request reports via FedPayments Manager — Funds application?

   No, you cannot send a camt.060 message in the FedPayments Manager – Funds application. The only report you can request is the Account Balance Report and there is no change to how you access this report today.

3. Will we be able to download the Activity Report like we do today with the Fedwire Funds Service Subsidiary Statement in the FedPayments Manager — Funds application? And what format will it be in?

   The Activity Report will be displayed on the screen in the FedPayments Manager – Funds application in a user-friendly readable format, which can be downloaded as a CSV file.

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