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

cbpr_rules/rules/y2025/pacs_009_adv.py

@@ -0,0 +1,255 @@
+"""CBPR+ SR2025 usage rules for pacs.009.001.08 ADV (FinancialInstitutionCreditTransfer - Advice).
+
+Structure mirrors the reference module ``pacs_008``: each Rules-sheet R-index is
+registered with its real number, name (the CBPR_..._FormalRule / _TextualRule
+token) and description, implemented with a shared combinator from ``helpers`` or
+a bespoke ``fn(msg, report)`` for cross-field / cross-schema logic.
+
+In the FI credit transfer, the Debtor and Creditor are themselves financial
+institutions, so they carry a ``FinInstnId`` block and use the agent-style
+Name/PostalAddress + grace-period rules (not the customer party rules).
+"""
+from __future__ import annotations
+
+from ...registry import advisory, rule
+from ...validators import is_valid_bic, is_valid_currency
+from ...helpers import (
+    address_hybrid,
+    address_lines_max_length,
+    business_msg_id_carries_group_id,
+    code_in,
+    each_value_valid,
+    header_msg_def_id_matches,
+    no_postal_address_duplication,
+    not_matching_pattern,
+    presence_together,
+    required_when_absent,
+)
+
+MT = "pacs.009_adv"
+YEAR = 2025
+ROOT = "/Document/FICdtTrf"
+TX = ROOT + "/CdtTrfTxInf"
+
+# Repeated rule descriptions (identical across the locations they apply to).
+D_AGENT_NAME_ADR = "Name and Address must always be present together."
+D_GRACE_STRUCT = (
+    "If Postal Address is used, and if Address Line is absent, then Town Name "
+    "and Country must be present."
+)
+D_GRACE_HYBRID = (
+    "If Address Line is present and any other Postal Address element(s) are "
+    "present, then Town Name and Country are mandatory in Postal Address and a "
+    "maximum of two occurrences of Address Line are allowed."
+)
+D_GRACE_UNSTRUCT = (
+    "If Postal Address is present and if no other element than Address Line is "
+    "present then every occurrence of Address Line must not exceed 35 characters."
+)
+
+
+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 _agent_block(fin_inst_path: str, n_name, n_struct, n_hybrid, n_unstruct) -> None:
+    """The four rules that recur for each agent: Name+Address + grace period."""
+    pstl = fin_inst_path + "/PstlAdr"
+    reg(n_name, "CBPR_Agent_Name_Postal_Address_FormalRule", D_AGENT_NAME_ADR,
+        presence_together(fin_inst_path, "Nm", "PstlAdr"))
+    reg(n_struct, "CBPR_GracePeriod_Structured_FormalRule", D_GRACE_STRUCT,
+        required_when_absent(pstl, "AdrLine", ["TwnNm", "Ctry"]))
+    reg(n_hybrid, "CBPR_GracePeriod_Hybrid_FormalRule", D_GRACE_HYBRID,
+        address_hybrid(pstl))
+    reg(n_unstruct, "CBPR_GracePeriod_Unstructured_FormalRule", D_GRACE_UNSTRUCT,
+        address_lines_max_length(pstl, 35))
+
+
+# ---------------------------------------------------------------------------
+# Bespoke cross-field / cross-schema rules
+# ---------------------------------------------------------------------------
+
+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)
+
+
+@rule(MT, YEAR, "R1", "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 _r1(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")
+
+
+_BIC_PAIRS = [
+    ("/AppHdr/Fr/FIId/FinInstnId/BICFI", TX + "/InstgAgt/FinInstnId/BICFI", "From vs Instructing Agent"),
+    ("/AppHdr/To/FIId/FinInstnId/BICFI", TX + "/InstdAgt/FinInstnId/BICFI", "To vs Instructed Agent"),
+]
+
+
+@rule(MT, YEAR, "R2", "CBPR_From_To_Instructing_Instructed_Agent_BIC_1_FormalRule",
+      'BAH "From" BIC must match "Instructing Agent" BIC, except where BAH '
+      'CopyDuplicate = COPY or = CODU. BAH "To" BIC must match "Instructed Agent" '
+      "BIC, except where BAH CopyDuplicate = COPY or = CODU.")
+def _r2(msg, report):
+    if any(v in {"COPY", "CODU"} for v in msg.values("/AppHdr/CpyDplct")):
+        return
+    for a, b, label in _BIC_PAIRS:
+        _values_match(msg, report, a, b, label)
+
+
+@rule(MT, YEAR, "R3", "CBPR_From_To_Instructing_Instructed_Agent_BIC_2_FormalRule",
+      'BAH "From" BIC must match "Instructing Agent" BIC if CopyDuplicate is '
+      'absent. BAH "To" BIC must match "Instructed Agent" BIC if CopyDuplicate is '
+      "absent.")
+def _r3(msg, report):
+    if not msg.absent("/AppHdr/CpyDplct"):
+        return
+    for a, b, label in _BIC_PAIRS:
+        _values_match(msg, report, a, b, label)
+
+
+# Reimbursement agents (Group Header / Settlement Information)
+_agent_block(ROOT + "/GrpHdr/SttlmInf/InstgRmbrsmntAgt/FinInstnId", "R17", "R18", "R19", "R21")
+_agent_block(ROOT + "/GrpHdr/SttlmInf/InstdRmbrsmntAgt/FinInstnId", "R22", "R23", "R24", "R25")
+
+
+@rule(MT, YEAR, "R26", "CBPR_Instruction_Identification_FormalRule",
+      "This field must not start or end with a slash '/' and must not contain "
+      "two consecutive slashes '//'.",
+      )
+def _r26(msg, report):
+    not_matching_pattern(TX + "/PmtId/InstrId", r"(/.*)|(.*/)|(.*//.*)")(msg, report)
+
+
+@rule(MT, YEAR, "R28", "CBPR_End_To_End_Identification_FormalRule",
+      "In 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 _r28(msg, report):
+    # forbidden if matches '/.*' OR '.{15}/.*' OR '.{0,14}//.*'
+    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="EndToEndId violates first-16-character slash restrictions")
+
+
+reg("R31", "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"}
+    ])
+
+
+# Transaction-chain agents and FI parties (each: name/address + grace period).
+_agent_block(TX + "/PrvsInstgAgt1/FinInstnId", "R32", "R33", "R34", "R35")
+_agent_block(TX + "/PrvsInstgAgt2/FinInstnId", "R36", "R37", "R38", "R39")
+_agent_block(TX + "/PrvsInstgAgt3/FinInstnId", "R40", "R41", "R42", "R43")
+_agent_block(TX + "/IntrmyAgt1/FinInstnId", "R44", "R45", "R46", "R47")
+_agent_block(TX + "/IntrmyAgt2/FinInstnId", "R48", "R49", "R50", "R51")
+_agent_block(TX + "/IntrmyAgt3/FinInstnId", "R52", "R53", "R54", "R55")
+_agent_block(TX + "/Dbtr/FinInstnId", "R56", "R57", "R58", "R59")
+_agent_block(TX + "/DbtrAgt/FinInstnId", "R60", "R61", "R62", "R63")
+_agent_block(TX + "/CdtrAgt/FinInstnId", "R64", "R65", "R66", "R67")
+_agent_block(TX + "/Cdtr/FinInstnId", "R68", "R69", "R70", "R71")
+
+
+# ---------------------------------------------------------------------------
+# Mechanizable textual rules + algorithmic field validation
+# ---------------------------------------------------------------------------
+reg("R8", "CBPR_Business_Service_Usage_TextualRule",
+    'The value "swift.cbprplus.adv.03" must be used.',
+    code_in("/AppHdr/BizSvc", ["swift.cbprplus.adv.03"]))
+
+# Promoted from advisory: cross-schema header consistency + address duplication.
+reg("R5", "CBPR_Business_Message_Identifier_TextualRule",
+    "The Business Message Identifier is the unique identifier of the Business Message instance. "
+    "Must contain the Message Identification element from the Group Header of the underlying "
+    "message, where available.",
+    business_msg_id_carries_group_id())
+
+reg("R6", "CBPR_Message_Definition_Identifier_TextualRule",
+    "The Message Definition Identifier must be formatted exactly as it appears in the namespace "
+    "of the Business Message instance.",
+    header_msg_def_id_matches())
+
+reg("R20", "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())
+
+
+# ---------------------------------------------------------------------------
+# Specific algorithmic validations required by the brief (fields present here).
+# ---------------------------------------------------------------------------
+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"))
+
+
+# ---------------------------------------------------------------------------
+# Advisory textual rules (not mechanically enforceable - surfaced as guidance)
+# ---------------------------------------------------------------------------
+_ADVISORY = {
+    "R4": ("CBPR_Character_Set_Usage_TextualRule",
+           "For further description on the usage of the field, please refer to the CBPR Plus UHB."),
+    "R7": ("CBPR_Business_Service_TextualRule",
+           "Business Service may be used by SWIFT to support differentiated processing on "
+           "SWIFT-administered services such as FINplus."),
+    "R9": ("CBPR_Market_Practice_TextualRule",
+           "Market Practice may be used by SWIFT on SWIFT-administered services."),
+    "R10": ("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."),
+    "R11": ("CBPR_Business_Service_TextualRule",
+            "This field may be used by SWIFT to support differentiated processing on SWIFT-administered "
+            "services such as FINplus."),
+    "R12": ("CBPR_Related_BAH_Business_Service_TextualRule",
+            "If related BAH is present, it should transport the element Business Service."),
+    "R13": ("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."),
+    "R14": ("CBPR_Agent_Option_1_TextualRule",
+            "BICFI, complemented optionally with a LEI (preferred option)."),
+    "R15": ("CBPR_Agent_Option_2_TextualRule",
+            "(Clearing Code OR LEI) AND (Name AND (Unstructured postal address OR Structured postal "
+            "address with minimum Town Name and Country OR Hybrid postal address with minimum Town Name "
+            "and Country))."),
+    "R16": ("CBPR_Agent_Option_3_TextualRule",
+            "Name AND (Unstructured OR Structured postal address with minimum Town Name and Country OR "
+            "Hybrid postal address with minimum Town Name and Country)."),
+    "R27": ("CBPR_E2E_ADV_TextualRule",
+            "In the pacs.009 ADV, the E2E identification is provided by the Debtor (Agent)."),
+    "R29": ("CBPR_Local_Instrument_TextualRule",
+            "The preferred option is coded information."),
+    "R30": ("CBPR_Category_Purpose_TextualRule",
+            "The preferred option is coded information."),
+    "R72": ("CBPR_Purpose_Guideline",
+            "The preferred option is coded information."),
+}
+for _num, (_name, _desc) in _ADVISORY.items():
+    advisory(MT, YEAR, _num, _name, _desc)

cbpr_rules/rules/y2025/pacs_009_cov.py

@@ -0,0 +1,358 @@
+"""CBPR+ SR2025 usage rules for pacs.009.001.08 COV (FinancialInstitutionCreditTransfer, cover).
+
+Authored following the pacs.008 reference module: each rule is registered with
+its source rule number, name and description, implemented either with a shared
+combinator from ``helpers`` or a bespoke ``fn(msg, report)``.
+
+Rule numbers/text are from the published usage guideline's Rules sheet; XML paths
+are the short ISO 20022 tags from its Full_View / XML Path column.
+"""
+from __future__ import annotations
+
+from ...registry import advisory, rule
+from ...validators import is_valid_bic, is_valid_currency
+from ...helpers import (
+    address_hybrid,
+    address_lines_max_length,
+    bic_presence_exclusive,
+    business_msg_id_carries_group_id,
+    code_in,
+    each_value_valid,
+    header_msg_def_id_matches,
+    mutually_exclusive,
+    no_postal_address_duplication,
+    not_matching_pattern,
+    presence_together,
+    required_when_absent,
+    requires_if_present,
+    structured_remittance_max_total,
+)
+
+MT = "pacs.009_cov"
+YEAR = 2025
+ROOT = "/Document/FICdtTrf"
+TX = ROOT + "/CdtTrfTxInf"
+UND = TX + "/UndrlygCstmrCdtTrf"
+
+# Repeated rule descriptions (identical across the locations they apply to).
+D_AGENT_NAME_ADR = "Name and Address must always be present together."
+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."
+)
+D_GRACE_STRUCT = (
+    "If Postal Address is used, and if Address Line is absent, then Town Name "
+    "and Country must be present."
+)
+D_GRACE_HYBRID = (
+    "If Address Line is present and any other Postal Address element(s) are "
+    "present, then Town Name and Country are mandatory in Postal Address and a "
+    "maximum of two occurrences of Address Line are allowed."
+)
+D_GRACE_UNSTRUCT = (
+    "If Postal Address is present and if no other element than Address Line is "
+    "present then every occurrence of Address Line must not exceed 35 characters."
+)
+
+
+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 _agent_block(fin_inst_path: str, n_name, n_struct, n_hybrid, n_unstruct) -> None:
+    """The four rules that recur for each agent: Name+Address + grace period."""
+    pstl = fin_inst_path + "/PstlAdr"
+    reg(n_name, "CBPR_Agent_Name_Postal_Address_FormalRule", D_AGENT_NAME_ADR,
+        presence_together(fin_inst_path, "Nm", "PstlAdr"))
+    reg(n_struct, "CBPR_GracePeriod_Structured_FormalRule", D_GRACE_STRUCT,
+        required_when_absent(pstl, "AdrLine", ["TwnNm", "Ctry"]))
+    reg(n_hybrid, "CBPR_GracePeriod_Hybrid_FormalRule", D_GRACE_HYBRID,
+        address_hybrid(pstl))
+    reg(n_unstruct, "CBPR_GracePeriod_Unstructured_FormalRule", D_GRACE_UNSTRUCT,
+        address_lines_max_length(pstl, 35))
+
+
+def _party_grace_block(party_path: str, n_struct, n_hybrid, n_unstruct) -> None:
+    pstl = party_path + "/PstlAdr"
+    reg(n_struct, "CBPR_GracePeriod_Structured_FormalRule", D_GRACE_STRUCT,
+        required_when_absent(pstl, "AdrLine", ["TwnNm", "Ctry"]))
+    reg(n_hybrid, "CBPR_GracePeriod_Hybrid_FormalRule", D_GRACE_HYBRID,
+        address_hybrid(pstl))
+    reg(n_unstruct, "CBPR_GracePeriod_Unstructured_FormalRule", D_GRACE_UNSTRUCT,
+        address_lines_max_length(pstl, 35))
+
+
+# ---------------------------------------------------------------------------
+# Bespoke cross-field / cross-schema rules
+# ---------------------------------------------------------------------------
+
+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)
+
+
+@rule(MT, YEAR, "R1", "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 _r1(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")
+
+
+_BIC_PAIRS = [
+    ("/AppHdr/Fr/FIId/FinInstnId/BICFI", TX + "/InstgAgt/FinInstnId/BICFI", "From vs Instructing Agent"),
+    ("/AppHdr/To/FIId/FinInstnId/BICFI", TX + "/InstdAgt/FinInstnId/BICFI", "To vs Instructed Agent"),
+]
+
+
+@rule(MT, YEAR, "R2", "CBPR_From_To_Instructing_Instructed_Agent_BIC_1_FormalRule",
+      'BAH "From" BIC must match "Instructing Agent" BIC, except where BAH '
+      'CopyDuplicate = COPY or = CODU. BAH "To" BIC must match "Instructed Agent" '
+      'BIC, except where BAH CopyDuplicate = COPY or = CODU.')
+def _r2(msg, report):
+    if any(v in {"COPY", "CODU"} for v in msg.values("/AppHdr/CpyDplct")):
+        return
+    for a, b, label in _BIC_PAIRS:
+        _values_match(msg, report, a, b, label)
+
+
+@rule(MT, YEAR, "R3", "CBPR_From_To_Instructing_Instructed_Agent_BIC_2_FormalRule",
+      'BAH "From" BIC must match "Instructing Agent" BIC if CopyDuplicate is '
+      'absent. BAH "To" BIC must match "Instructed Agent" BIC if CopyDuplicate is absent.')
+def _r3(msg, report):
+    if not msg.absent("/AppHdr/CpyDplct"):
+        return
+    for a, b, label in _BIC_PAIRS:
+        _values_match(msg, report, a, b, label)
+
+
+# R12: remittance mutually exclusive (under the underlying customer credit transfer)
+reg("R12", "CBPR_Remittance_Mutually_Exclusive_FormalRule",
+    "Either Structured or Unstructured Remittance can be present.",
+    mutually_exclusive(UND + "/RmtInf", ["Ustrd", "Strd"]))
+
+
+@rule(MT, YEAR, "R13", "CBPR_Instruction_For_Creditor_Presence_Code_FormalRule",
+      'Each code can only be used once for element "Instruction For Creditor Agent".')
+def _r13(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("R14", "CBPR_Instruction_Identification_FormalRule",
+    "This field 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, "R16", "CBPR_End_To_End_Identification_FormalRule",
+      "In 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 _r16(msg, report):
+    import re as _re
+    pats = [_re.compile(p) for p in (r"/.*", r".{15}/.*", 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="EndToEndId first 16 characters violate slash restrictions")
+
+
+reg("R20", "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 blocks - cover (interbank) chain
+# ---------------------------------------------------------------------------
+_agent_block(TX + "/PrvsInstgAgt1/FinInstnId", "R25", "R26", "R27", "R29")
+_agent_block(TX + "/PrvsInstgAgt2/FinInstnId", "R30", "R31", "R32", "R33")
+_agent_block(TX + "/PrvsInstgAgt3/FinInstnId", "R34", "R35", "R36", "R37")
+_agent_block(TX + "/IntrmyAgt1/FinInstnId", "R38", "R39", "R40", "R41")
+_agent_block(TX + "/IntrmyAgt2/FinInstnId", "R42", "R43", "R44", "R45")
+_agent_block(TX + "/IntrmyAgt3/FinInstnId", "R46", "R47", "R48", "R49")
+_agent_block(TX + "/Dbtr/FinInstnId", "R50", "R51", "R52", "R53")
+_agent_block(TX + "/DbtrAgt/FinInstnId", "R54", "R55", "R56", "R57")
+_agent_block(TX + "/CdtrAgt/FinInstnId", "R58", "R59", "R60", "R61")
+_agent_block(TX + "/Cdtr/FinInstnId", "R62", "R63", "R64", "R65")
+
+# ---------------------------------------------------------------------------
+# Underlying customer credit transfer - parties
+# ---------------------------------------------------------------------------
+reg("R70", "CBPR_Party_Name_Postal_Address_FormalRule", D_PARTY_NAME_ADR,
+    requires_if_present(UND + "/UltmtDbtr", "PstlAdr", "Nm"))
+reg("R71", "CBPR_Party_Name_Postal_Address_FormalRule", D_PARTY_NAME_ADR,
+    requires_if_present(UND + "/InitgPty", "PstlAdr", "Nm"))
+reg("R72", "CBPR_Party_Name_Any_BIC_FormalRule", D_PARTY_ANY_BIC,
+    required_when_absent(UND + "/Dbtr", "Id/OrgId/AnyBIC", ["Nm"]))
+reg("R76", "CBPR_Party_Name_Postal_Address_FormalRule", D_PARTY_NAME_ADR,
+    requires_if_present(UND + "/Dbtr", "PstlAdr", "Nm"))
+_party_grace_block(UND + "/Dbtr", "R78", "R79", "R80")
+
+# Underlying agent chain
+_agent_block(UND + "/DbtrAgt/FinInstnId", "R81", "R82", "R83", "R84")
+_agent_block(UND + "/PrvsInstgAgt1/FinInstnId", "R85", "R86", "R87", "R88")
+_agent_block(UND + "/PrvsInstgAgt2/FinInstnId", "R89", "R90", "R91", "R92")
+_agent_block(UND + "/PrvsInstgAgt3/FinInstnId", "R93", "R94", "R95", "R96")
+_agent_block(UND + "/IntrmyAgt1/FinInstnId", "R97", "R98", "R99", "R100")
+_agent_block(UND + "/IntrmyAgt2/FinInstnId", "R101", "R102", "R103", "R104")
+_agent_block(UND + "/IntrmyAgt3/FinInstnId", "R105", "R106", "R107", "R108")
+_agent_block(UND + "/CdtrAgt/FinInstnId", "R109", "R110", "R111", "R112")
+
+reg("R113", "CBPR_Party_Name_Any_BIC_FormalRule", D_PARTY_ANY_BIC,
+    required_when_absent(UND + "/Cdtr", "Id/OrgId/AnyBIC", ["Nm"]))
+reg("R117", "CBPR_Party_Name_Postal_Address_FormalRule", D_PARTY_NAME_ADR,
+    requires_if_present(UND + "/Cdtr", "PstlAdr", "Nm"))
+_party_grace_block(UND + "/Cdtr", "R119", "R120", "R121")
+
+reg("R124", "CBPR_Name_Postal_Address_FormalRule", D_PARTY_NAME_ADR,
+    requires_if_present(UND + "/UltmtCdtr", "PstlAdr", "Nm"))
+
+
+# ---------------------------------------------------------------------------
+# Mechanizable textual rules + algorithmic field validation
+# ---------------------------------------------------------------------------
+reg("R8", "CBPR_Business_Service_Usage_TextualRule",
+    'The value "swift.cbprplus.cov.03" must be used.',
+    code_in("/AppHdr/BizSvc", ["swift.cbprplus.cov.03"]))
+
+# Algorithmic validations (brief), for fields present in pacs.009 COV.
+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"))
+
+
+# ---------------------------------------------------------------------------
+# Promoted from advisory: mechanizable cross-schema / cross-field checks.
+# Each combinator is conservative (skips when inputs are absent/ambiguous).
+# ---------------------------------------------------------------------------
+reg("R5", "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("R6", "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("R28", "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("R77", "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(UND + "/Dbtr"))
+
+reg("R118", "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(UND + "/Cdtr"))
+
+reg("R125", "CBPR_RemittanceInformation_TextualRule",
+    "1. Use of Structured Remittance must be bilaterally or multilaterally agreed. 2. Structured "
+    "Remittance can be repeated, however the total business data for all occurrences (excluding tags) "
+    "must not exceed 9,000 characters.",
+    structured_remittance_max_total(UND + "/RmtInf/Strd", 9000))
+
+
+# ---------------------------------------------------------------------------
+# Advisory textual rules (not mechanically enforceable - surfaced as guidance)
+# ---------------------------------------------------------------------------
+_ADVISORY = {
+    "R4": ("CBPR_Character_Set_Usage_TextualRule",
+           "For further description on the usage of the field, pls refer to the CBPR Plus UHB."),
+    "R7": ("CBPR_Business_Service_TextualRule",
+           "This field may be used by SWIFT to support differentiated processing on SWIFT-administered "
+           "services such as FINplus."),
+    "R9": ("CBPR_Market_Practice_TextualRule",
+           "This field may be used by SWIFT on SWIFT-administered services. For a description of reserved "
+           "values, please refer to the Service Description for your service."),
+    "R10": ("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."),
+    "R11": ("CBPR_Related_BAH_Business_Service_TextualRule",
+            "If related BAH is present, it should transport the element Business Service."),
+    "R15": ("CBPR_E2E_COV_TextualRule",
+            "In the pacs.009 COV, the E2E identification should transport the instruction identification "
+            "of the underlying pacs.008."),
+    "R17": ("CBPR_UETR_COV_TextualRule",
+            "In the pacs.009 COV, the UETR should transport the UETR of the underlying pacs.008."),
+    "R18": ("CBPR_Local_Instrument_Guideline",
+            "The preferred option is coded information."),
+    "R19": ("CBPR_Category_Purpose_Guideline",
+            "The preferred option is coded information."),
+    "R21": ("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."),
+    "R22": ("CBPR_Agent_Option_1_TextualRule",
+            "BICFI, complemented optionally with a LEI (preferred option)."),
+    "R23": ("CBPR_Agent_Option_2_TextualRule",
+            "(Clearing Code OR LEI) AND (Name AND (Unstructured postal address OR [Structured postal address "
+            "with minimum Town Name and Country] OR [Hybrid postal address with minimum Town Name and Country])."),
+    "R24": ("CBPR_Agent_Option_3_TextualRule",
+            "Name AND (Unstructured OR [Structured postal address with minimum Town Name and Country] OR "
+            "[Hybrid postal address with minimum Town Name and Country])."),
+    "R66": ("CBPR_Purpose_Guideline",
+            "The preferred option is coded information."),
+    "R67": ("CBPR_UltimateDebtor_Option_3_Jurisdictions_only_TextualRule",
+            "For Jurisdictional transactions, Name and/or Identification (Private or Organisation)."),
+    "R68": ("CBPR_Ultimate_Debtor_Option_1_TextualRule",
+            "Name AND [(Structured Postal Address) OR (Hybrid Postal Address) with minimum Town Name & Country]."),
+    "R69": ("CBPR_Ultimate_Debtor_Option_2_TextualRule",
+            "Name AND [(Structured Postal Address) OR (Hybrid Postal Address) with minimum Town Name & Country] "
+            "AND (Identification: Private or Organisation)."),
+    "R73": ("CBPR_Debtor_Option_3_Jurisdictions_only_TextualRule",
+            "For Jurisdictional transactions, Debtor/Name is mandatory with either Debtor Account OR Debtor "
+            "Identification."),
+    "R74": ("CBPR_Debtor_Option_1_TextualRule",
+            "Organisation Identification/AnyBIC AND (Account Number OR Organisation Identification/Other)."),
+    "R75": ("CBPR_Debtor_Option_2_TextualRule",
+            "Name AND (Unstructured OR [Structured Address with minimum Town Name & Country] OR [Hybrid postal "
+            "address with minimum Town Name and Country]) AND (Account Number OR Identification: Private or Organisation)."),
+    "R114": ("CBPR_Creditor_Option_3_Jurisdictions_only_TextualRule",
+             "For Jurisdictional transactions, Creditor/Name is mandatory with either Creditor Account OR "
+             "Creditor Identification."),
+    "R115": ("CBPR_Creditor_Option_1_TextualRule",
+             "Organisation Identification/AnyBIC AND (Account Number OR Organisation Identification/Other)."),
+    "R116": ("CBPR_Creditor_Option_2_TextualRule",
+             "Name AND (Unstructured OR [Structured Address with minimum Town Name & Country] OR [Hybrid postal "
+             "address with minimum Town Name and Country]) AND (Account Number OR Identification: Private or Organisation)."),
+    "R122": ("CBPR_Ultimate_Creditor_Option_1_TextualRule",
+             "Name AND Structured Address, with minimum Country (other elements are optional, eg "
+             "Identification: Private or Organisation)."),
+    "R123": ("CBPR_UltimateCreditor_Option_2_Jurisdictions_only_TextualRule",
+             "For Jurisdictional transactions, Name and/or Identification (Private or Organisation)."),
+}
+for _num, (_name, _desc) in _ADVISORY.items():
+    advisory(MT, YEAR, _num, _name, _desc)