---
type: "AIHallucinationFinding"
title: "When did the Fedwire Funds Service implement the CPMI harmonised ISO 20022 data model requirements…"
citation_id: "RLB-H-INT-BIS-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-Q010-Opus47"
finding_uid: "INT-BIS-CPMI-INT-001-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-v1-010--opus-47-websearch"
question_uid: "INT-BIS-CPMI-INT-001-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-v1-010"
regulation_id: "INT-BIS-CPMI-INT-001-CPMI-ISO-20022-HARMONISATION-UPDATED-2026"
regulation_slug: "CPMI-ISO-20022-HARMONISATION-UPDATED-2026"
regulation_title: "Harmonised ISO 20022 Data Requirements for Enhancing Cross-Border Payments - Updated Report"
regulator_short_code: "BIS-CPMI"
regulatory_body_id: "BIS-CPMI-INT-001"
jurisdiction_code: "INT"
j_level: "J1"
ai_subject: "claude-opus-4-7"
ai_subject_display: "Claude Opus 4.7 (web search on)"
ai_subject_version: "opus-47-websearch"
response_failure_mode: "inference_drift"
substrate_document_name: "p_17_NOTICE_Fedwire_Funds_Service_implementation_dat_mandating-iso-20022-enhanced-data-in-chaps.html"
substrate_document_path: "https://reglegbrief.com/substrate/INT/BIS-CPMI/CPMI-ISO-20022-HARMONISATION-UPDATED-2026/_raw_manual_substrate/p_17_NOTICE_Fedwire_Funds_Service_implementation_dat_mandating-iso-20022-enhanced-data-in-chaps.html"
substrate_section_anchor: "Fedwire Funds Service implementation date for CPMI data model requirements"
citation_issue_types: ["Contradictory"]
audiences: ["ai_labs"]
published_at: "2026-06-07T07:58:42.254399+00:00"
substrate_version: 1
methodology_version: "2.3"
license: "CC-BY-4.0"
resource: "https://reglegbrief.com/regulators/j1/int/bis-cpmi/CPMI-ISO-20022-HARMONISATION-UPDATED-2026/ai-labs/finding/INT-BIS-CPMI-INT-001-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-v1-010--opus-47-websearch/"
tags: ["ai-hallucination", "inference_drift", "bis-cpmi", "cpmi-iso-20022-harmonisation-updated-2026", "int"]
timestamp: "2026-06-16T00:00:00+00:00"
---

# AI Hallucination Finding: When did the Fedwire Funds Service implement the CPMI harmonised ISO 20022 data model requirements…

- **Citation ID.** `RLB-H-INT-BIS-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-Q010-Opus47`
- **Finding UID.** `INT-BIS-CPMI-INT-001-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-v1-010--opus-47-websearch`
- **Regulation.** [`CPMI-ISO-20022-HARMONISATION-UPDATED-2026`](/okf/regulations/CPMI-ISO-20022-HARMONISATION-UPDATED-2026.md) — Harmonised ISO 20022 Data Requirements for Enhancing Cross-Border Payments - Updated Report
- **Regulator.** [`BIS-CPMI-INT-001`](/okf/bodies/BIS-CPMI-INT-001.md) — Bank for International Settlements — Committee on Payments and Market Infrastructures (CPMI)
- **AI subject.** Claude Opus 4.7 (web search on)
- **Failure mode.** [`inference_drift`](/okf/taxonomy/failure-modes.md)
- **Published.** 2026-06-07T07:58:42.254399+00:00

## Question put to the AI subject

When did the Fedwire Funds Service implement the CPMI harmonised ISO 20022 data model requirements specifically, and what postal address structure does Fedwire require under the hybrid end-state approach?

## AI subject's verbatim answer

The Fedwire Funds Service migrated to the ISO 20022 message format on 10 March 2025 (single 'big-bang' cutover). However, the full implementation of the CPMI hybrid/end-state postal address requirements is scheduled for a later release on 16 November 2026.

## Verbatim regulator text contradicting the answer

> FRB Services FAQ (REGULATOR_VERBATIM): 'The July 14, 2025 implementation enabled participants to apply CPMI data model requirements from the Harmonised ISO 20022 data requirements for enhancing cross-border payments'

_Source:_ [p_17_NOTICE_Fedwire_Funds_Service_implementation_dat_mandating-iso-20022-enhanced-data-in-chaps.html](https://reglegbrief.com/substrate/INT/BIS-CPMI/CPMI-ISO-20022-HARMONISATION-UPDATED-2026/_raw_manual_substrate/p_17_NOTICE_Fedwire_Funds_Service_implementation_dat_mandating-iso-20022-enhanced-data-in-chaps.html)
_Section anchor:_ Fedwire Funds Service implementation date for CPMI data model requirements

## Failure mode

**`inference_drift`** — Inference drift — the AI inferred a conclusion the regulator's text does not warrant, often by combining unrelated provisions.

## Citation-issue types

- **Contradictory** — <https://www.frbservices.org/resources/financial-services/wires/iso-20022-implementation-center/iso-20022-2025-releases>
- **Contradictory** — <https://www.frbservices.org/resources/financial-services/wires/faq/iso-20022/overview-implementation-details>
- **Contradictory** — <https://www.frbservices.org/resources/financial-services/wires/iso-20022-implementation-center/on-the-wire-iso-20022-newsletter/october-2025-iso-20022-newsletter>
- **Contradictory** — <https://www.oregonpacificbank.com/wp-content/uploads/2025/04/ISO-20022-Quick-Reference-Guide.pdf>

## Related concepts

- Regulation: [CPMI-ISO-20022-HARMONISATION-UPDATED-2026](/okf/regulations/CPMI-ISO-20022-HARMONISATION-UPDATED-2026.md)
- Regulator: [BIS-CPMI-INT-001](/okf/bodies/BIS-CPMI-INT-001.md)
- Failure-mode taxonomy: [inference_drift](/okf/taxonomy/failure-modes.md)
- Methodology: [v2.3](/okf/methodology.md)
- Editorial standards: [right of reply](/okf/editorial-standards.md)

## Reproduction

Citation ID: `RLB-H-INT-BIS-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-Q010-Opus47`

Resource URL (HTML view of this finding):

<https://reglegbrief.com/regulators/j1/int/bis-cpmi/CPMI-ISO-20022-HARMONISATION-UPDATED-2026/ai-labs/finding/INT-BIS-CPMI-INT-001-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-v1-010--opus-47-websearch/>

This finding is reproducible against the substrate document linked above, using the same AI subject, the same methodology version, and the verbatim question text.