Lints a Fedwire or CHIPS ISO 20022 PostalAddress24 block against the November 2026 structured address mandate. On 2026-11-16 the Fedwire Funds Service and CHIPS remove the fully-unstructured postal address option in favor of a single hybrid format (Town Name and Country always required). Detects unstructured AdrLine-only addresses (banned), silent-fail duplication (AdrLine echoing structured field values -- causes STP rejection without a visible error code), and classifies structure type. For the SWIFT CBPR+ cross-border equivalent see lint_cbpr_structured_address (art-241).
Fedwire/CHIPS Nov 2026PostalAddress24Silent-Fail DetectionProof Verified
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. PostalAddress24 fields are STRUCTURAL identifiers, not personal data. Do not enter real individual addresses.
Network
Fedwire and CHIPS structured-address rules are byte-identical for this lint (CHIPS aligns to Fedwire's hybrid format and the same 2026-11-16 date) -- one kernel, network only changes the citation in the output.
Structured Address Fields (PostalAddress24)
Structured street name only, no number.
Building or house number.
Postal/ZIP code.
City or town name. Always required for a hybrid address.
Two-letter country code. Always required.
Unstructured AdrLine Fields (banned from 16 Nov 2026)
Leave blank for FULLY_STRUCTURED. Fill to test HYBRID or UNSTRUCTURED. Silent-fail test: enter a line containing the street name above.