Fedwire^® Funds Service November 2026 Release

On November 16, 2026, the Fedwire Funds Service intends to implement the following changes to ensure interoperability with modifications that Swift^®and CHIPS^® (peer operator) will make:

• Remove the fully unstructured postal address option in favor of a single hybrid postal address format for all parties and agents across all message types (i.e., remove three free-text lines of 35 characters each, require town name and country, and allow the option to include other structured address elements such as two free-text lines of up to 70 characters each)
• Make enhancements to the investigation messages (camt.110/camt.111) to enable better structuring of frequently used investigation use cases
• Implement additional enhancements to the FedPayments Manager – Funds application (e.g., provide Create Payment Return feature for past messages)

To ensure customers have access to six months of testing in the DIT2 environment, the changes outlined above will be available in the DIT2 environment starting in May 2026.  Updated format specifications and guides (e.g., usage guidelines, Implementation Guide, Quick Reference Guide, Technical Guide) are available on the Fedwire Funds Service Release 2026 page within the MyStandards portal by Swift.

FedLine Advantage^® Solution users: A FedPayments Manager – Funds scope document are available in the "Help" link that reflect the November 2026 release changes.

Testing requirements

Given the large number of customers, service providers and software vendors we need to support for ISO 20022 testing, we developed the following testing requirements using a risk-based approach for the Nov. 16, 2026, release. Please contact our Wholesale Testing Services with any questions.

Testing group

The following groups will be required to complete testing as specified in the DIT2 testing section. All other customers, service providers and software vendors are highly recommended to complete testing.

• Higher volume FedLine Direct^® service providers (approximately 1,000 outgoing messages on average per day)
• Significant FedLine Direct software vendors 
• National Accounts/Payments Risk Committee
• Bankers’ Banks/Corporate Credit Unions (in-house build)  
• Designated Financial Market Utilities (DFMUs)
• Higher volume FedLine Advantage import/upload users (100 outgoing messages on average per day)

DIT2 testing 

Mandatory testing groups will be required to participate in at least two peer testing days coordinated by Federal Reserve Financial Services (FRFS) and submit a readiness attestation to their relationship manager.

Testing description	Testing days (exact dates to be announced)
Self-testing and peer testing (not coordinated by FRFS)	Available as of May
Peer testing coordinated by FRFS that mimics a Fedwire Funds Service business processing day (representative sample)	August (two weekdays) September (two weekdays) October (two weekdays) — intended to be used for conducting retests following testing in August or September

MyStandards Readiness Portal testing (recommended)

The MyStandards Readiness Portal is available 24 hours a day, seven days a week, and allows you to self-test your ISO 20022 messages against the November 2026 release schema/usage guidelines. Please mask your data when testing in this portal.  

Saturday Production testing (recommended)

Two Saturdays will be available for testing in the production environment prior to the November 2026 release. While not required, we recommend that you take advantage of this testing opportunity to coordinate peer testing with counterparties leading up to the implementation weekend (Nov 14-15). If you plan to participate in production testing, you must register 10 business days in advance of the designated Saturday you plan to test (dates listed below).

• September 19
• October 31

 

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