cbpr-usage-rules 0.1.0__py3-none-any.whl

cbpr_rules/rules/y2026/pacs_008_stp.py

@@ -0,0 +1,369 @@
+"""CBPR+ SR2026 usage rules for pacs.008.001.08 STP (FIToFICustomerCreditTransfer).
+
+Structure mirrors the reference module ``rules.y2025.pacs_008``: each Rules-sheet
+R-index is registered with its real rule number, name token and description, using
+shared combinators where the formal logic matches a known shape and bespoke
+``fn(msg, report)`` checks otherwise. Algorithmic field validations are added as
+extra VAL-* rules for the data types that appear in this message.
+"""
+from __future__ import annotations
+
+import re
+
+from ...registry import advisory, rule
+from ...validators import is_valid_bic, is_valid_country, is_valid_currency, is_valid_lei
+from ...helpers import (
+    bic_presence_exclusive,
+    business_msg_id_carries_group_id,
+    charges_required_when_amounts_differ,
+    each_value_valid,
+    header_msg_def_id_matches,
+    mutually_exclusive,
+    no_postal_address_duplication,
+    not_matching_pattern,
+    requires_if_present,
+    required_when_absent,
+    same_value,
+)
+
+MT = "pacs.008_stp"
+YEAR = 2026
+ROOT = "/Document/FIToFICstmrCdtTrf"
+TX = ROOT + "/CdtTrfTxInf"
+
+D_PARTY_NAME_ADR = "If Postal Address is present then Name is mandatory."
+D_PARTY_ANY_BIC = (
+    "If AnyBIC is absent then Name is mandatory and it is recommended to also "
+    "provide the Postal Address."
+)
+
+
+def reg(number: str, name: str, description: str, check) -> None:
+    """Register a combinator-built check as a rule."""
+    rule(MT, YEAR, number, name, description)(check)
+
+
+def _values_match(msg, report, path_a, path_b, label):
+    a_nodes = msg.find(path_a)
+    if not a_nodes:
+        return
+    b_vals = {msg.text_of(n) for n in msg.find(path_b)}
+    if not b_vals:
+        return
+    a_vals = {msg.text_of(n) for n in a_nodes}
+    if a_vals != b_vals:
+        report(a_nodes[0], detail=label)
+
+
+# ---------------------------------------------------------------------------
+# BAH / cross-schema consistency
+# ---------------------------------------------------------------------------
+reg("R1", "CBPR_BusinessMessageIdentifier_FormalRule",
+    "The Business Message Identifier must match the Message Identification in the Group Header.",
+    same_value("/AppHdr/BizMsgIdr", ROOT + "/GrpHdr/MsgId"))
+
+
+@rule(MT, YEAR, "R2", "CBPR_Priority_Instruction_Priority_FormalRule",
+      'If "Priority" is used in the BAH for pacs messages, the value should be '
+      'identical to the one in the Payment Type Information/InstructionPriority if present.')
+def _r2(msg, report):
+    if msg.present("/AppHdr/Prty") and msg.present(TX + "/PmtTpInf/InstrPrty"):
+        _values_match(msg, report, "/AppHdr/Prty", TX + "/PmtTpInf/InstrPrty",
+                      "BAH Priority must equal InstructionPriority")
+
+
+@rule(MT, YEAR, "R3", "CBPR_To_Instructed_Agent_BIC_2_FormalRule",
+      'BAH "To" BIC must match "Instructed Agent" BIC if CopyDuplicate is absent.')
+def _r3(msg, report):
+    if not msg.absent("/AppHdr/CpyDplct"):
+        return
+    _values_match(msg, report, "/AppHdr/To/FIId/FinInstnId/BICFI",
+                  TX + "/InstdAgt/FinInstnId/BICFI", "To vs Instructed Agent")
+
+
+@rule(MT, YEAR, "R4", "CBPR_To_Instructed_Agent_BIC_1_FormalRule",
+      'BAH "To" BIC must match "Instructed Agent" BIC, except where BAH '
+      "CopyDuplicate = COPY or = CODU")
+def _r4(msg, report):
+    if any(v in {"COPY", "CODU"} for v in msg.values("/AppHdr/CpyDplct")):
+        return
+    _values_match(msg, report, "/AppHdr/To/FIId/FinInstnId/BICFI",
+                  TX + "/InstdAgt/FinInstnId/BICFI", "To vs Instructed Agent")
+
+
+reg("R5", "CBPR_From_Instructing_Agent_BIC_FormalRule",
+    'BAH "From" BIC must match "Instructing Agent" BIC',
+    same_value("/AppHdr/Fr/FIId/FinInstnId/BICFI", TX + "/InstgAgt/FinInstnId/BICFI"))
+
+
+# ---------------------------------------------------------------------------
+# Service level / remittance / charges
+# ---------------------------------------------------------------------------
+@rule(MT, YEAR, "R10", "CBPR_GPI_ServiceLevel_Code_FormalRule",
+      "The GPI ServiceLevel Code in pacs.008 STP must be 'G001'.")
+def _r10(msg, report):
+    forbidden = {"G002", "G003", "G004", "G005", "G006", "G007", "G009"}
+    for doc in msg.each(ROOT):
+        if msg.absent("CdtTrfTxInf/PmtTpInf/SvcLvl", doc):
+            continue
+        for node in msg.find("CdtTrfTxInf/PmtTpInf/SvcLvl/Cd", doc):
+            if msg.text_of(node) in forbidden:
+                report(node, detail="ServiceLevel Code must be G001")
+
+
+reg("R11", "CBPR_Related_Remit_Info_Remit_Info_Mutually_Exclusive_FormalRule",
+    "In the interbank space, Related Remittance Information and Remittance "
+    "Information are mutually exclusive and all may be absent.",
+    mutually_exclusive(TX, ["RltdRmtInf", "RmtInf"]))
+
+
+# ---------------------------------------------------------------------------
+# Domestic / jurisdiction country-couple rules (R12, R15-R18)
+# ---------------------------------------------------------------------------
+def _bic_country(bic: str) -> str:
+    return bic[4:6] if bic and len(bic) >= 6 else ""
+
+
+def _domestic_name_iban(number: str, name: str, description: str, countries):
+    """Debtor/Creditor agent BICs both in `countries` => Debtor & Creditor Name +
+    Account/IBAN must be present."""
+    cset = set(countries)
+
+    @rule(MT, YEAR, number, name, description)
+    def _check(msg, report, _cset=cset):
+        for tx in msg.each(TX):
+            dbtr_bics = msg.values("DbtrAgt/FinInstnId/BICFI", tx)
+            cdtr_bics = msg.values("CdtrAgt/FinInstnId/BICFI", tx)
+            if not dbtr_bics or not cdtr_bics:
+                continue
+            if not all(_bic_country(b) in _cset for b in dbtr_bics):
+                continue
+            if not all(_bic_country(b) in _cset for b in cdtr_bics):
+                continue
+            required = {
+                "Debtor/Name": "Dbtr/Nm",
+                "Creditor/Name": "Cdtr/Nm",
+                "DebtorAccount/IBAN": "DbtrAcct/Id/IBAN",
+                "CreditorAccount/IBAN": "CdtrAcct/Id/IBAN",
+            }
+            missing = [lbl for lbl, p in required.items() if msg.absent(p, tx)]
+            if missing:
+                report(tx, detail="domestic transaction requires " + ", ".join(missing))
+
+
+_SEPA = ["AT", "BE", "BG", "BV", "CY", "CZ", "DE", "DK", "EE", "ES", "FI", "FR",
+         "GB", "GF", "GI", "GP", "GR", "HR", "HU", "IE", "IS", "IT", "LI", "LT",
+         "LU", "LV", "MQ", "MT", "NL", "NO", "PL", "PM", "PT", "RE", "RO", "SE",
+         "SI", "SJ", "SK"]
+
+_domestic_name_iban(
+    "R12", "CBPR_Debtor_Creditor_IBAN_FormalRule",
+    "IF Creditor Agent and Debtor Agent BICs are part of following countries: "
+    "AT, BE, BG, BV, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GF, GI, GP, GR, HR, HU, "
+    "IE, IS, IT, LI, LT, LU, LV, MQ (FR), MT, NL, NO, PL, PM (FR), PT, RE (FR), "
+    "RO, SE, SI, SJ, SK Then: Debtor and Creditor must be identified using a "
+    "Name and the Account/IBAN.",
+    _SEPA)
+
+_domestic_name_iban(
+    "R15", "CBPR_Debtor_Creditor_IT/VA_FormalRule",
+    "Transactions exchanged within these country couples are considered as "
+    "domestic ones. IF Creditor Agent and Debtor Agent BICs are part of "
+    "following countries: IT, VA Then: Debtor and Creditor must be identified "
+    "using a Name and the Account/IBAN.",
+    ["IT", "VA"])
+
+_domestic_name_iban(
+    "R16", "CBPR_Debtor_Creditor_FR/MC_FormalRule",
+    "Transactions exchanged within these country couples are considered as "
+    "domestic ones. IF Creditor Agent and Debtor Agent BICs are part of "
+    "following countries: FR, MC Then: Debtor and Creditor must be identified "
+    "using a Name and the Account/IBAN.",
+    ["FR", "MC"])
+
+_domestic_name_iban(
+    "R17", "CBPR_Debtor_Creditor_ES/AD_FormalRule",
+    "Transactions exchanged within these country couples are considered as "
+    "domestic ones. IF Creditor Agent and Debtor Agent BICs are part of "
+    "following countries: ES, AD Then: Debtor and Creditor must be identified "
+    "using a Name and the Account/IBAN.",
+    ["ES", "AD"])
+
+_domestic_name_iban(
+    "R18", "CBPR_Debtor_Creditor_IT/SM_FormalRule",
+    "Transactions exchanged within these country couples are considered as "
+    "domestic ones. IF Creditor Agent and Debtor Agent BICs are part of "
+    "following countries: IT, SM Then: Debtor and Creditor must be identified "
+    "using a Name and the Account/IBAN.",
+    ["IT", "SM"])
+
+
+@rule(MT, YEAR, "R13", "CBPR_DEBT_FormalRule",
+      'If "Charge Bearer/DEBT" is present, then only one occurrence of '
+      '"Charge Information" is allowed.')
+def _r13(msg, report):
+    for tx in msg.each(TX):
+        if "DEBT" in msg.values("ChrgBr", tx) and len(msg.find("ChrgsInf", tx)) > 1:
+            report(tx, detail="only one ChargesInformation allowed when ChargeBearer is DEBT")
+
+
+@rule(MT, YEAR, "R14", "CBPR_CRED_FormalRule",
+      "Charge information is mandatory if CRED is present - if no charges are "
+      'taken, Zero must be used in "Amount" (any agent in the payment chain).')
+def _r14(msg, report):
+    for tx in msg.each(TX):
+        cb = msg.values("ChrgBr", tx)
+        if cb and all(v == "CRED" for v in cb) and msg.absent("ChrgsInf", tx):
+            report(tx, detail="ChargesInformation required when ChargeBearer is CRED")
+
+
+reg("R19", "CBPR_Instruction_Identification_FormalRule",
+    "This element must not start or end with a slash '/' and must not contain "
+    "two consecutive slashes '//'.",
+    not_matching_pattern(TX + "/PmtId/InstrId", r"(/.*)|(.*/)|(.*//.*)"))
+
+
+@rule(MT, YEAR, "R21", "CBPR_Interbank_Settlement_Currency_FormalRule",
+      "The codes XAU, XAG, XPD and XPT are not allowed, as these are codes are "
+      "only used for commodities.")
+def _r21(msg, report):
+    for el, ccy in msg.attr_nodes(TX + "/IntrBkSttlmAmt", "Ccy"):
+        if ccy in {"XAU", "XAG", "XPD", "XPT"}:
+            report(el, detail=f"commodity currency '{ccy}' not allowed")
+
+
+# ---------------------------------------------------------------------------
+# Party name / postal address / AnyBIC (formal)
+# ---------------------------------------------------------------------------
+def _party_name_adr(number: str, party: str) -> None:
+    reg(number, "CBPR_Party_Name_Postal_Address_FormalRule", D_PARTY_NAME_ADR,
+        requires_if_present(party, "PstlAdr", "Nm"))
+
+
+_party_name_adr("R28", TX + "/UltmtDbtr")
+_party_name_adr("R30", TX + "/InitgPty")
+_party_name_adr("R31", TX + "/Dbtr")
+_party_name_adr("R40", TX + "/Cdtr")
+_party_name_adr("R43", TX + "/UltmtCdtr")
+
+
+def _party_any_bic(number: str, party: str) -> None:
+    reg(number, "CBPR_Party_Name_Any_BIC_FormalRule", D_PARTY_ANY_BIC,
+        required_when_absent(party, "Id/OrgId/AnyBIC", ["Nm"]))
+
+
+_party_any_bic("R33", TX + "/Dbtr")
+_party_any_bic("R41", TX + "/Cdtr")
+
+
+# ---------------------------------------------------------------------------
+# Promoted from advisory to enforced (conservative, no false positives)
+# ---------------------------------------------------------------------------
+reg("R7", "CBPR_Business_Message_Identifier_TextualRule",
+    "The Business Message Identifier is the unique identifier of the Business "
+    "Message instance that is being transported with this header, as defined by "
+    "the sending application or system. Must contain the Message Identification "
+    "element from the Group Header of the underlying message, where available.",
+    business_msg_id_carries_group_id())
+
+reg("R8", "CBPR_Message_Definition_Identifier_TextualRule",
+    "The Message Definition Identifier of the Business Message instance that is "
+    "being transported with this header. In general, it must be formatted exactly "
+    "as it appears in the namespace of the Business Message instance.",
+    header_msg_def_id_matches())
+
+reg("R23", "CBPR_DEBT_Rule_1_TextualRule",
+    "If Instructed amount and Interbank Settlement Amount are expressed in the "
+    "same currency: if Charge Bearer/DEBT is used then Charge Information is only "
+    "mandatory in case of prepaid charges and in that case zero amount is not "
+    "allowed; otherwise Charge information is optional.",
+    charges_required_when_amounts_differ(TX, "InstdAmt", "IntrBkSttlmAmt", "ChrgsInf"))
+
+reg("R29", "CBPR_Duplication_Postal_Address_TextualRule",
+    "Data present in structured elements within the Postal Address must not, "
+    "under any circumstances be repeated in AddressLine.",
+    no_postal_address_duplication())
+
+reg("R35", "CBPR_Debtor_BIC_Presence_TextualRule",
+    "If Any BIC is present, then (Name and Postal Address) is NOT allowed (other "
+    "elements remain optional). However, in case of conflicting information, "
+    "AnyBIC will always take precedence.",
+    bic_presence_exclusive(TX + "/Dbtr"))
+
+reg("R38", "CBPR_Creditor_BIC_Presence_TextualRule",
+    "If Any BIC is present, then (Name and Postal Address) is NOT allowed (other "
+    "elements remain optional). However, in case of conflicting information, "
+    "AnyBIC will always take precedence.",
+    bic_presence_exclusive(TX + "/Cdtr"))
+
+
+@rule(MT, YEAR, "R20", "CBPR_EndToEndIdentification_TextualRule",
+      "If no EndToEndIdentification is provided by the Debtor, then the element "
+      'must be populated with "NOTPROVIDED".')
+def _r20(msg, report):
+    for node in msg.find(TX + "/PmtId/EndToEndId"):
+        if not msg.text_of(node).strip():
+            report(node, detail='EndToEndIdentification must be populated (use "NOTPROVIDED" when none provided)')
+
+
+# ---------------------------------------------------------------------------
+# Algorithmic field validation (VAL-*) - only for fields present in this message
+# ---------------------------------------------------------------------------
+reg("VAL-CCY", "CBPR_Valid_Settlement_Currency",
+    "Interbank Settlement Amount currency must be a valid ISO 4217 code.",
+    lambda msg, report: [
+        report(el, detail=f"invalid currency '{ccy}'")
+        for el, ccy in msg.attr_nodes(TX + "/IntrBkSttlmAmt", "Ccy")
+        if ccy and not is_valid_currency(ccy)
+    ])
+
+reg("VAL-BIC", "CBPR_Valid_Agent_BIC",
+    "Instructing/Instructed Agent BICFI must be a structurally valid BIC.",
+    each_value_valid(TX + "/InstgAgt/FinInstnId/BICFI", is_valid_bic, "BIC"))
+
+reg("VAL-LEI", "CBPR_Valid_Agent_LEI",
+    "Any Debtor Agent LEI must be a structurally valid LEI.",
+    each_value_valid(TX + "/DbtrAgt/FinInstnId/LEI", is_valid_lei, "LEI"))
+
+reg("VAL-CTRY", "CBPR_Valid_Country",
+    "Every PostalAddress Country must be a valid ISO 3166 alpha-2 code.",
+    each_value_valid(TX + "/Dbtr/PstlAdr/Ctry", is_valid_country, "country"))
+
+
+# ---------------------------------------------------------------------------
+# Advisory textual rules (not mechanically enforceable - surfaced as guidance)
+# ---------------------------------------------------------------------------
+_ADVISORY = {
+    "R6": ("CBPR_Related_Business_Application_Header_TextualRule",
+           "If used, the Related BAH must transport the exact same information as in the BAH of the related message."),
+    "R9": ("CBPR_RelatedBAHBusinessService_TextualRule",
+           "If related BAH is present, it should transport the element Business Service."),
+    "R22": ("CBPR_DEBT_Rule_2_TextualRule",
+            "If Instructed amount and Interbank Settlement Amount are not expressed in the same currency: if Charge Bearer/DEBT is used then Charge Information is only mandatory in case of prepaid charges and in that case zero amount is not allowed; otherwise Charge information is optional."),
+    "R24": ("CBPR_SHAR_TextualRule",
+            "If deduct taken then charge information is mandatory. It is optional for initiator (not taking deduct)."),
+    "R25": ("CBPR_Ultimate_Debtor_Option_2_TextualRule",
+            "Name AND [(Structured Postal Address) OR (Hybrid Postal Address) with minimum Town Name & Country - it is recommended to add Post code when available] AND (Identification: Private or Organisation)."),
+    "R26": ("CBPR_UltimateDebtor_Option_3_Jurisdictions_only_TextualRule",
+            "For Jurisdictional transactions, Name and/or Identification (Private or Organisation). The jurisdictional rules apply only when all agents in the payment chain underly the same jurisdiction."),
+    "R27": ("CBPR_Ultimate_Debtor_Option_1_TextualRule",
+            "Name AND [(Structured Postal Address) OR (Hybrid Postal Address) with minimum Town Name & Country - it is recommended to add Post code when available)."),
+    "R32": ("CBPR_Debtor_Option_3_Jurisdictions_only_TextualRule",
+            "For Jurisdictional transactions, Debtor/Name is mandatory with either Debtor Account OR Debtor Identification. The jurisdictional rules apply only when all agents in the payment chain underly the same jurisdiction."),
+    "R34": ("CBPR_Debtor_Option_2_TextualRule",
+            "Name AND ([Structured Address with minimum Town Name & Country (+ recommended to add Postal code when available)]) AND (Account Number OR Identification: Private or Organisation)."),
+    "R36": ("CBPR_Debtor_Option_1_TextualRule",
+            "Organisation Identification/AnyBIC AND (Account Number OR Organisation Identification/Other)."),
+    "R37": ("CBPR_Creditor_Option_1_TextualRule",
+            "Organisation Identification/AnyBIC AND (Account Number OR Organisation Identification/Other)."),
+    "R39": ("CBPR_Creditor_Option_2_TextualRule",
+            "Name AND ([Structured Address with minimum Town Name & Country (+ recommended to add Postal code when available)]) AND (Account Number OR Identification: Private or Organisation)."),
+    "R42": ("CBPR_Creditor_Option_3_Jurisdictions_only_TextualRule",
+            "For Jurisdictional transactions, Creditor/Name is mandatory with either Creditor Account OR Creditor Identification. The jurisdictional rules apply only when all agents in the payment chain underly the same jurisdiction."),
+    "R44": ("CBPR_Ultimate_Creditor_Option_1_TextualRule",
+            "Name AND [(Structured Postal Address) OR (Hybrid Postal Address) with minimum Town Name & Country - it is recommended to add Post code when available)]. Other elements are optional, e.g. Identification: Private or Organisation."),
+    "R45": ("CBPR_UltimateCreditor_Option_2_Jurisdictions_only_TextualRule",
+            "For Jurisdictional transactions, Name and/or Identification (Private or Organisation). The jurisdictional rules apply only when all agents in the payment chain underly the same jurisdiction."),
+}
+for _num, (_name, _desc) in _ADVISORY.items():
+    advisory(MT, YEAR, _num, _name, _desc)

cbpr_rules/rules/y2026/pacs_009.py

@@ -0,0 +1,260 @@
+"""CBPR+ SR2026 usage rules for pacs.009.001.08 (FinancialInstitutionCreditTransfer).
+
+Authored against the published usage guideline's Rules sheet. Each R-index is
+registered with its real rule number, name token and description; formal rules
+use shared combinators where the shape matches, bespoke ``fn(msg, report)`` for
+cross-field / cross-schema logic. Textual rules are enforced where mechanizable,
+otherwise surfaced as advisories.
+"""
+from __future__ import annotations
+
+from ...registry import advisory, rule
+from ...validators import is_valid_bic, is_valid_currency
+from ...helpers import (
+    business_msg_id_carries_group_id,
+    header_msg_def_id_matches,
+    no_postal_address_duplication,
+    not_matching_pattern,
+    presence_together,
+    value_not_in,
+)
+
+MT = "pacs.009"
+YEAR = 2026
+ROOT = "/Document/FICdtTrf"
+TX = ROOT + "/CdtTrfTxInf"
+
+D_AGENT_NAME_ADR = "Name and Address must always be present together."
+
+
+def reg(number: str, name: str, description: str, check) -> None:
+    """Register a combinator-built check as a rule."""
+    rule(MT, YEAR, number, name, description)(check)
+
+
+def _values_match(msg, report, path_a, path_b, label):
+    a_nodes = msg.find(path_a)
+    if not a_nodes:
+        return
+    b_vals = {msg.text_of(n) for n in msg.find(path_b)}
+    if not b_vals:
+        return
+    a_vals = {msg.text_of(n) for n in a_nodes}
+    if a_vals != b_vals:
+        report(a_nodes[0], detail=label)
+
+
+# ---------------------------------------------------------------------------
+# Bespoke cross-field / cross-schema rules
+# ---------------------------------------------------------------------------
+@rule(MT, YEAR, "R1", "CBPR_BusinessMessageIdentifier_FormalRule",
+      "The Business Message Identifier must match the Message Identification in "
+      "the Group Header.")
+def _r1(msg, report):
+    _values_match(msg, report, "/AppHdr/BizMsgIdr", ROOT + "/GrpHdr/MsgId",
+                  "BusinessMessageIdentifier must equal GroupHeader/MessageIdentification")
+
+
+@rule(MT, YEAR, "R2", "CBPR_Priority_Instruction_Priority_FormalRule",
+      'If "Priority" is used in the BAH for pacs messages, the value should be '
+      'identical to the one in the "Payment Type Information/InstructionPriority" '
+      "if present.")
+def _r2(msg, report):
+    if msg.present("/AppHdr/Prty") and msg.present(TX + "/PmtTpInf/InstrPrty"):
+        _values_match(msg, report, "/AppHdr/Prty", TX + "/PmtTpInf/InstrPrty",
+                      "BAH Priority must equal InstructionPriority")
+
+
+@rule(MT, YEAR, "R3", "CBPR_To_Instructed_Agent_BIC_1_FormalRule",
+      'BAH "To" BIC must match "Instructed Agent" BIC, except where BAH '
+      "CopyDuplicate = COPY or = CODU")
+def _r3(msg, report):
+    if any(v in {"COPY", "CODU"} for v in msg.values("/AppHdr/CpyDplct")):
+        return
+    _values_match(msg, report, "/AppHdr/To/FIId/FinInstnId/BICFI",
+                  TX + "/InstdAgt/FinInstnId/BICFI", "To vs Instructed Agent")
+
+
+@rule(MT, YEAR, "R4", "CBPR_To_Instructed_Agent_BIC_2_FormalRule",
+      'BAH "To" BIC must match "Instructed Agent" BIC if CopyDuplicate is absent.')
+def _r4(msg, report):
+    if not msg.absent("/AppHdr/CpyDplct"):
+        return
+    _values_match(msg, report, "/AppHdr/To/FIId/FinInstnId/BICFI",
+                  TX + "/InstdAgt/FinInstnId/BICFI", "To vs Instructed Agent")
+
+
+@rule(MT, YEAR, "R5", "CBPR_From_Instructing_Agent_BIC_FormalRule",
+      'BAH "From" BIC must match "Instructing Agent" BIC')
+def _r5(msg, report):
+    _values_match(msg, report, "/AppHdr/Fr/FIId/FinInstnId/BICFI",
+                  TX + "/InstgAgt/FinInstnId/BICFI", "From vs Instructing Agent")
+
+
+@rule(MT, YEAR, "R10", "CBPR_GPI_ServiceLevel_Code_FormalRule",
+      "The GPI ServiceLevel Code in pacs.009 CORE must be 'G004'.")
+def _r10(msg, report):
+    for tx in msg.each(TX):
+        if msg.absent("PmtTpInf/SvcLvl", tx):
+            continue
+        for code in msg.find("PmtTpInf/SvcLvl/Cd", tx):
+            if msg.text_of(code) in {"G001", "G002", "G003", "G005", "G006", "G007", "G009"}:
+                report(code, detail="ServiceLevel/Code must be 'G004'")
+
+
+@rule(MT, YEAR, "R11", "CBPR_Instruction_For_Creditor_Presence_Code_FormalRule",
+      'Each code can only be used once for element "Instruction For Creditor Agent".')
+def _r11(msg, report):
+    for tx in msg.each(TX):
+        codes = msg.values("InstrForCdtrAgt/Cd", tx)
+        if len(codes) != len(set(codes)):
+            report(tx, detail="duplicate InstructionForCreditorAgent code")
+
+
+reg("R12", "CBPR_Instruction_Identification_FormalRule",
+    "This element must not start or end with a slash '/' and must not contain "
+    "two consecutive slashes '//'.",
+    not_matching_pattern(TX + "/PmtId/InstrId", r"(/.*)|(.*/)|(.*//.*)"))
+
+
+@rule(MT, YEAR, "R13", "CBPR_End_To_End_Identification_FormalRule",
+      "For the E2E identification, the below restrictions apply to the first 16 "
+      "characters: - The first one and the 16th one cannot be “/” and - "
+      "The string of 16 characters cannot contain “//”")
+def _r13(msg, report):
+    import re as _re
+    pats = [_re.compile(r"/.*"), _re.compile(r".{15}/.*"), _re.compile(r".{0,14}//.*")]
+    for node in msg.find(TX + "/PmtId/EndToEndId"):
+        val = msg.text_of(node)
+        if val and any(p.fullmatch(val) for p in pats):
+            report(node, detail="EndToEndIdentification matches a forbidden pattern")
+
+
+reg("R16", "CBPR_Interbank_Settlement_Currency_FormalRule",
+    "The codes XAU, XAG, XPD and XPT are not allowed, as these are codes are "
+    "only used for commodities.",
+    lambda msg, report: [
+        report(el, detail=f"commodity currency '{ccy}' not allowed")
+        for el, ccy in msg.attr_nodes(TX + "/IntrBkSttlmAmt", "Ccy")
+        if ccy in {"XAU", "XAG", "XPD", "XPT"}
+    ])
+
+
+# Agent Name + Postal Address presence-together (FinInstnId of each agent/party).
+_AGENT_NAME_ADR = {
+    "R21": TX + "/PrvsInstgAgt1/FinInstnId",
+    "R23": TX + "/PrvsInstgAgt2/FinInstnId",
+    "R24": TX + "/PrvsInstgAgt3/FinInstnId",
+    "R25": TX + "/IntrmyAgt1/FinInstnId",
+    "R26": TX + "/IntrmyAgt2/FinInstnId",
+    "R27": TX + "/IntrmyAgt3/FinInstnId",
+    "R28": TX + "/Dbtr/FinInstnId",
+    "R29": TX + "/DbtrAgt/FinInstnId",
+    "R30": TX + "/CdtrAgt/FinInstnId",
+    "R31": TX + "/Cdtr/FinInstnId",
+}
+for _num, _path in _AGENT_NAME_ADR.items():
+    reg(_num, "CBPR_Agent_Name_Postal_Address_FormalRule", D_AGENT_NAME_ADR,
+        presence_together(_path, "Nm", "PstlAdr"))
+
+
+# ---------------------------------------------------------------------------
+# Algorithmic field validation (brief), only for fields present in pacs.009.
+# ---------------------------------------------------------------------------
+reg("VAL-CCY", "CBPR_Valid_Settlement_Currency",
+    "Interbank Settlement Amount currency must be a valid ISO 4217 code.",
+    lambda msg, report: [
+        report(el, detail=f"invalid currency '{ccy}'")
+        for el, ccy in msg.attr_nodes(TX + "/IntrBkSttlmAmt", "Ccy")
+        if ccy and not is_valid_currency(ccy)
+    ])
+
+
+@rule(MT, YEAR, "VAL-BIC", "CBPR_Valid_Agent_BIC",
+      "Every Agent BICFI in the message must be a structurally valid BIC.")
+def _val_bic(msg, report):
+    paths = [
+        "/AppHdr/Fr/FIId/FinInstnId/BICFI",
+        "/AppHdr/To/FIId/FinInstnId/BICFI",
+        TX + "/InstgAgt/FinInstnId/BICFI",
+        TX + "/InstdAgt/FinInstnId/BICFI",
+        TX + "/PrvsInstgAgt1/FinInstnId/BICFI",
+        TX + "/PrvsInstgAgt2/FinInstnId/BICFI",
+        TX + "/PrvsInstgAgt3/FinInstnId/BICFI",
+        TX + "/IntrmyAgt1/FinInstnId/BICFI",
+        TX + "/IntrmyAgt2/FinInstnId/BICFI",
+        TX + "/IntrmyAgt3/FinInstnId/BICFI",
+        TX + "/Dbtr/FinInstnId/BICFI",
+        TX + "/DbtrAgt/FinInstnId/BICFI",
+        TX + "/CdtrAgt/FinInstnId/BICFI",
+        TX + "/Cdtr/FinInstnId/BICFI",
+    ]
+    for p in paths:
+        for node in msg.find(p):
+            val = msg.text_of(node)
+            if val and not is_valid_bic(val):
+                report(node, detail=f"invalid BIC: '{val}'")
+
+
+# ---------------------------------------------------------------------------
+# Promoted from advisory to enforced (mechanizable, conservative).
+# ---------------------------------------------------------------------------
+reg("R7", "CBPR_Business_Message_Identifier_TextualRule",
+    "The Business Message Identifier is the unique identifier of the "
+    "Business Message instance that is being transported with this header, "
+    "as defined by the sending application or system. Must contain the "
+    "Message Identification element from the Group Header.",
+    business_msg_id_carries_group_id())
+
+reg("R8", "CBPR_Message_Definition_Identifier_TextualRule",
+    "The Message Definition Identifier of the Business Message instance "
+    "that is being transported with this header. In general, it must be "
+    "formatted exactly as it appears in the namespace of the Business "
+    "Message instance.",
+    header_msg_def_id_matches())
+
+reg("R22", "CBPR_Duplication_Postal_Address_TextualRule",
+    "Data present in structured elements within the Postal Address must "
+    "not, under any circumstances be repeated in AddressLine.",
+    no_postal_address_duplication())
+
+
+# ---------------------------------------------------------------------------
+# Advisory textual rules (not mechanically enforceable).
+# ---------------------------------------------------------------------------
+_ADVISORY = {
+    "R6": ("CBPR_Related_Business_Application_Header_TextualRule",
+           "If used, the Related BAH must transport the exact same information as "
+           "in the BAH of the related message."),
+    "R9": ("CBPR_Related_BAH_Business_Service_TextualRule",
+           "If related BAH is present, it should transport the element Business "
+           "Service."),
+    "R14": ("CBPR_E2E_CORE_ADV_TextualRule",
+            "If pacs.009CORE is used to cover pacs.009ADV, the E2E identification "
+            "should transport the instruction identification of the underlying "
+            "pacs.009 ADV."),
+    "R15": ("CBPR_UETR_TextualRule",
+            "If the pacs.009 is used to settle a pacs.009 Advice, the UETR should "
+            "transport the UETR of the underlying pacs.009 Advice."),
+    "R17": ("CBPR_Agent_Option_2_TextualRule",
+            "(Clearing Code OR LEI) AND (Name AND ([Structured postal address "
+            "with minimum Town Name and Country] OR [Hybrid postal address with "
+            "minimum Town Name and Country]). It is recommended to also add the "
+            "post code when available."),
+    "R18": ("CBPR_Agent_National_only_TextualRule",
+            "Whenever Debtor Agent, Creditor Agent and all agents in between are "
+            "located within the same country, the clearing code only may be used."),
+    "R19": ("CBPR_Agent_Option_3_TextualRule",
+            "Name AND ([Structured postal address with minimum Town Name and "
+            "Country] OR [Hybrid postal address with minimum Town Name and "
+            "Country]). It is recommended to also add the post code when available."),
+    "R20": ("CBPR_Agent_Option_1_TextualRule",
+            "BICFI, complemented optionally with a LEI (preferred option)"),
+    "R32": ("CBPR_Instruction_Information_TextualRule",
+            "If the pacs.009 is used to settle a pacs.009 Advice, the last "
+            "available occurrence (of the element Instruction For Creditor "
+            "Agent/Instruction Information) preceded by /UDLC/ must be used to "
+            "capture the /UDLC/ (Underlying Creditor) provided."),
+}
+for _num, (_name, _desc) in _ADVISORY.items():
+    advisory(MT, YEAR, _num, _name, _desc)