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Free X9 Standards and Documents

The Accredited Standards Committee X9 Inc, develops and publishes standards, technical reports and whitepapers for the financial services industry the United States.  Some of these document are free and the rest must be purchased.  All of our domestic standards and technical reports are available online from the ANSI Web Store.  For your convenience, we have made some of our free documents available below.

ASC X9 also works with ISO TC68 to develop international standards for the financial services industry.  ISO standards are available online for purchase from the ISO Web Store.

If you have any questions or comments, please send them to

Study Group and Industry Forum Reports

ISO 20022 Remittance Content Market Practice Guide

Distributed Ledger and Blockchain Technology Study Group Report


X9A Electronic and Emerging Payments Subcommittee

ASC X9 TR 54-2021 Blockchain Risk Assessment Framework

ANSI X9.138-2020 Distributed Ledger Technologies Terminology

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 Financial Services Operations Subcommittee

Standards Advisory – MICR Requirement for Checks -January 2024

ASC X9 TR 51-2020 Levies Companion Document Uniform Adoption Of X9.129 For Levies Version 3.0

ANSI X9.100-188-2018 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 47-2022 Universal Companion Document Industry adoption of X9.100-187

Check Image Test Registry


X9C Corporate Banking Subcommittee

ANSI X9.121-2016 (R2021)  Balance and Transaction Reporting Standard BTRS Version 3.1 (BTR3)

ASC X9 TR 42-2014 Core Deduction Reason Codes

ASC X9 TR 43-2014 Remittance Glossary

ASC X9 TR 44-2013 Remittance Standards Inventory

ASC X9 TR 45-2016 Retail Industry Debit Balances Best Practices, Terminology and Procedures


X9D Securities Subcommittee

ANSI X9.145-2021 Financial Instrument Global Identifier


X9F Data and Information Security Subcommittee

SD-34-2020  Registry of Approved Cryptographic Resources 

SD-38-2018 Automatic Information Object Identifier Assignment