Free Standards & Documents

The Accredited Standards Committee X9 Inc. develops and publishes standards and technical reports for the financial services industry in the United States and develops related standards for international use through ISO TC68.  All of our domestic standards and technical reports are available online from the ANSI Web Store.  This includes documents that are free and those that must be purchased.  For your convenience, we have made some of our free documents available here.  If you have any questions or comments, please send them to


Study Group Reports

Distributed Ledger and Blockchain Technology Study Group Report


X9A Retail Payments Subcommittee

ASC X9 TR 48-2018 Card-Not-Present (CNP) Fraud Mitigation in the United States: Strategies for Preventing, Detecting, and Responding to a Growing Threat


X9B Checks and Back-office Operations Subcommittee

Standards Advisory White Paper-MICR Requirement for Checks

ANSI X9.100-188 Return Reasons

ASC X9 TR 100-2013 Organization of Standards for Paper and Image-Based Check Payments Part 1: Organization of Standards, Part 2: Definitions used in Standards

ASC X9 TR 47 Universal Companion Document Industry adoption of X9.100-187

Check Image Test Registry


X9C Corporate Banking Subcommittee

ANSI X9.121 Balance and Transaction Reporting Standard

ASC X9 TR 42 Core Deduction Reason Codes

ASC X9 TR 43 Remittance Glossary

ASC X9 TR 44 Remittance Standards Inventory

ASC X9 TR 45 Retail Industry Debit Balances Best Practices, Terminology and Procedures


X9F Data and Information Security Subcommittee

TR 39 Retail Financial Services Compliance Guideline – Part 1 PIN Security and Key Management