# References — Exact Reference Match

All sources accessed 2026-10-25. Examples are synthetic and contain no customer information.

## BIL camt.053 implementation guide

Source: [BIL camt.053.001.02 Implementation Guidelines v2.1](https://www.bil.com/BIL-digital/assets/doc/BIL_CAMT053_V2_final.pdf).  
Version: v2.1, dated 2023-08-08; pages 58–59.  
Accessed: 2026-10-25.  
Supports: native entry amount/currency, credit/debit direction, reversal indicator and booked status. A reversal entry's credit/debit indicator already describes its movement.  
Limitations: provider-specific and version-specific guide. It neither defines our normalized JSON nor certifies a parser, universal uniqueness policy or final settlement.

## Bank of America bank-to-customer statement reference

Source: [Bank-to-Customer Statement camt.053 reference guide](https://images.em.bankofamerica.com/GTS/ISO_20022/ReferenceGuideBanktoCustomerStatement(CAMT.053).pdf).  
Version: public guide checked on access date; no immutable publication version identified; pages 1–2.  
Accessed: 2026-10-25.  
Supports: separate statement/account/entry reference fields, booking/value dates and credit/debit fields. Field meanings must be mapped deliberately.  
Limitations: a provider profile. EndToEndId, instruction identifiers and account-servicer references are not universally interchangeable reconciliation keys.

## ISO 20022 catalogue

Source: [ISO 20022 message definitions](https://www.iso20022.org/iso-20022-message-definitions).  
Version: live official catalogue, access-date snapshot; current versioning is independent of the BIL profile.  
Accessed: 2026-10-25.  
Supports: official access to message definitions and versioned message families.  
Limitations: catalogue access does not make this teaching normalizer a complete camt implementation or licensed bank adapter.

## Local specification and independent evidence

Source: [Data contract](DATA-CONTRACT.md), [claim ledger](CLAIM-LEDGER.md), [independent calculations](INDEPENDENT-CALCULATIONS.md), and [complete fixture dataset](../datasets/reconciliation-cases.json).  
Version: d30-exact-reference-match-v1, frozen 2026-10-25.  
Accessed: 2026-10-25.  
Supports: explicit Cedar scope, units, strict schemas, clocks, revision policy, conservative matching rule, complete expected outputs and independently worked arithmetic.  
Limitations: synthetic pedagogical specification. Parity alone is not independent financial evidence; author-declared pairings and calculations precede implementation.