The ISO 20022 address deadline, and the BIC escape hatch

November 2026 is real: SPS 2026 takes effect on the 14th, Fedwire follows on the 16th, and the last SIC release accepting unstructured addresses closes on the 20th. What the rules actually require is smaller than the panic suggests — and the specs themselves name the escape hatch. We shipped two things for it: a structured postal_address block on BIC answers, and a free conformity checker.