Starter contract

banking_transaction

13 rules · plain YAML · starts in observation mode

OpenDQV Cloud starter template (v0.1) — your tenant inherits this baseline. First customer edit creates v1.0 in your audit trail; pin by yaml_hash for replay. Banking transaction record validation

These are starting points you own. Every rule below ships in the trial, starts in observation mode, and is yours to read, edit, or delete from day one. Rules that reference a lookup list (lookup_file) validate against reference data you control in your tenant.
Rules as at 29 August 2026 — starting points you own, not a maintained regulatory feed. We correct errors in these samples; tracking regulatory change in your active contracts is yours.

Rule	Field	Severity	What it enforces (the message your team sees)
transaction_id_required	transaction_id	error	transaction_id is required
account_number_required	account_number	error	account_number is required (send as a JSON string to preserve leading zeros)
account_number_min_length	account_number	error	account_number must be at least 6 characters
sort_code_format	sort_code	warning	sort_code must be in NN-NN-NN format (e.g. 20-00-00) — required for Faster Payments (PSR) and BACS submissions
bic_format	bic	warning	bic must be a valid ISO 9362 BIC/SWIFT code (e.g. BARCGB22) — required for SEPA credit transfers and SWIFT cross-border payments
transaction_date_format	transaction_date	error	transaction_date must be a valid date (YYYY-MM-DD)
amount_min	amount	error	amount must be > 0
amount_large_transaction_warning	amount	warning	amount exceeds £85,000 FSCS deposit protection limit — enhanced due diligence may be required under Money Laundering Regulations 2017 (MLR17)
currency_format	currency	error	currency must be a 3-letter ISO 4217 code (e.g. GBP, USD, EUR)
transaction_type_valid	transaction_type	error	transaction_type must be one of: debit, credit, transfer, payment, refund, fee, chargeback, reversal — chargeback/reversal trigger Consumer Duty and Payment Services Regulations 2017 obligations
channel_valid	channel	error	channel must be one of: online, mobile, branch, atm, pos, api, open_banking — open_banking is PSD2 Article 66/67 regulated (AISP/PISP access)
reference_max_length	reference	error	reference must not exceed 18 characters — Faster Payments Service limit; longer references are silently truncated by receiving banks causing reconciliation failures
merchant_id_required	merchant_id	warning	merchant_id is required when channel is 'pos' (Point of Sale card-present transactions)

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