Cambios de dirección estructurada ISO 20022

BOK Financial effective date: Nov. 14, 2026
Who is affected: Anyone who sends wire payments
Required action: Review and update beneficiary address information

The Federal Reserve recently announced an extension to the industry enforcement timeline for ISO 20022 structured address requirements. Despite this change, BOK Financial will move forward with its planned implementation on November 14, 2026, for impacted wire services. Continuing on our established timeline enables clients to prepare with confidence, supports industry modernization efforts, and helps minimize operational and payment processing risks. We strongly encourage you to continue your remediation efforts and update beneficiary information as soon as possible to help ensure a seamless transition and avoid potential wire processing disruptions.

Action required for wire payment users

As part of the financial industry's transition to ISO 20022, all wire payments will be required to use structured address data. A structured address is an address that is broken into separate, standardized data fields rather than being entered as a single free-form text field.

If you send wire payments, you should review and update your wire templates, beneficiary records, files and payment processes by November 14, 2026. Failure to update required beneficiary information could result in delayed or rejected wire payments.

Required address fields

NOTE: these field names apply specifically to Exchange customers. All wire transfers must include complete beneficiary address information.

¿Qué ocurre si no realiza estas actualizaciones?

If beneficiary information is not updated to include the required structured address information by November, the impact can range from operational inefficiencies to delayed or returned payments by BOK Financial payment systems. Missing structured address data can trigger payment exceptions, investigations, or requests for additional information. These activities increase operational costs and can delay funds reaching the beneficiary, so updating your wire templates.

Protéjase del fraude

These updates are limited to beneficiary address information required for wire payments. BOK Financial will not ask you to provide or update account numbers, login credentials, passwords, security codes or other sensitive account information as part of this change. If you receive a request that seems unusual or asks for information beyond beneficiary address details, contact your BOK Financial representative using a known phone number or email address before responding.

If you are a Wealth Management client

If you are a BOK Financial Wealth Management client and are not on the Exchange platform, your relationship manager will work directly with you to make any necessary changes.

If you create wires in Exchange

Review and update the beneficiaries you use to create wire payments in Exchange.

• Delete templates you no longer use.
• Update active templates, beneficiaries and address book contacts with complete address information.
• If BOK Financial created wire templates on your behalf, provide any requested address information or indicate which templates are no longer needed by the deadline provided.

If you send wire payments by file or system integration

If you send wire payments by file, SWIFT, ERP, TMS, gateway or another third-party provider, review the beneficiary address data included in your files, systems and processes and prepare for any required format updates. Wire file users should review beneficiary address data included in their files. Additional file specifications and testing requirements will be provided, if applicable.

• Clients using an ERP, TMS, gateway or other third-party provider should contact that provider as soon as possible to confirm their ISO 20022 implementation timeline and identify any changes required to files, data or workflow.

Recursos

Para obtener información adicional sobre ISO 20022 y la transición de la industria a la mensajería financiera estructurada, puede encontrar útiles los siguientes recursos:

• Acerca de ISO 20022 - Buena explicación de alto nivel para clientes que desean entender qué es ISO 20022 y por qué es importante.
• Preguntas frecuentes - Útil para clientes que desean más información sobre el estándar y cómo se usa.
• Definiciones de mensajes de ISO 20022 - Útil para usuarios técnicos o proveedores que necesitan detalles más profundos sobre las estructuras de mensajes.
• El repositorio de ISO 20022 - Útil para usuarios que desean comprender cómo se organizan las definiciones de mensajes y los componentes empresariales.