moov-io/fed

Package github.com/moov-io/fed implements utility services for searching the United States Federal Reserve System such as ABA routing numbers, Financial Institution name lookup and Fed Wire routing information. Moov's primary usage for this project is with ACH origination in our paygate project.

Docs: docs.moov.io | api docs

Project Status

Moov FED is under active development and in production for multiple companies. Please star the project if you are interested in its progress.

Usage

Go library github.com/moov-io/fed offers a Go based search for FEDACH and FEDWIRE Participants.

To get started using Fed download the latest release or our Docker image.

Docs: docs.moov.io | api docs

Note: The Docker image ships with old data files (FedACHdir.txt and fpddir.txt) as example data. In a production deployment updated files should be obtained from your Financial Institution and provided to the server process.

ACH Routing Number Example

Fed can be used to lookup a Financial Institutions for Automated Clearing House (ACH) transfers by their routing number (?routingNumber=...) or name (?name=...):

$ curl -s localhost:8086/fed/ach/search?routingNumber=273976369 | jq .
{
  "achParticipants": [
    {
      "routingNumber": "273976369",
      "officeCode": "O",
      "servicingFRBNumber": "071000301",
      "recordTypeCode": "1",
      "revised": "041513",
      "newRoutingNumber": "000000000",
      "customerName": "VERIDIAN CREDIT UNION",
      "achLocation": {
        "address": "1827 ANSBOROUGH",
        "city": "WATERLOO",
        "state": "IA",
        "postalCode": "50702",
        "postalCodeExtension": "0000"
      },
      "phoneNumber": "3192878332",
      "statusCode": "1",
      "viewCode": "1"
    }
  ],
  "wireParticipants": null
}

Wire Routing Number Example

Fed can be used to lookup a Financial Institutions for FED Wire Messages (FEDWire) by their routing number (?routingNumber=...) or name (?name=...):

$ curl -s localhost:8086/fed/wire/search?routingNumber=273976369 | jq .
{
  "achParticipants": null,
  "wireParticipants": [
    {
      "routingNumber": "273976369",
      "telegraphicName": "VERIDIAN",
      "customerName": "VERIDIAN CREDIT UNION",
      "wireLocation": {
        "city": "WATERLOO",
        "state": "IA"
      },
      "fundsTransferStatus": "Y",
      "fundsSettlementOnlyStatus": " ",
      "bookEntrySecuritiesTransferStatus": "N",
      "date": "20141107"
    }
  ]
}

Client Library

Fed ships a client library generated from an OpenAPI Specification (Go package github.com/moov-io/fed/client). We generate a Go version as Moov's primary language is Go, but other languages can be generated. To make a change edit openapi.yaml and run make generate. Commit the changes and open a pull request.

Configuration

Environmental Variable	Description	Default
FEDACH_DATA_PATH	Filepath to FEDACH data file	./data/FedACHdir.txt
FEDWIRE_DATA_PATH	Filepath to FedWIRE data file	./data/fpddir.txt
LOG_FORMAT	Format for logging lines to be written as.	Options: json, plain - Default: plain
HTTP_BIND_ADDRESS	Address for paygate to bind its HTTP server on. This overrides the command-line flag -http.addr.	Default: :8086
HTTP_ADMIN_BIND_ADDRESS	Address for paygate to bind its admin HTTP server on. This overrides the command-line flag -admin.addr.	Default: :9096
HTTPS_CERT_FILE	Filepath containing a certificate (or intermediate chain) to be served by the HTTP server. Requires all traffic be over secure HTTP.	Empty
HTTPS_KEY_FILE	Filepath of a private key matching the leaf certificate from HTTPS_CERT_FILE.	Empty

FedWire and FedACH data from the Federal Reserve Bank Services

The data and formats in this repository represent a compilation of the FedWire and FedACH data from the Federal Reserve Bank Services site.

FedWire Directory

• FedWire

FedACH Directory

• FedACH

Other resources

• State and Territory Abbreviations

Copyright and Terms of Use

(c) Federal Reserve Banks

By accessing the data in this repository you agree to the Federal Reserve Banks' Terms of Use and the E-Payments Routing Directory Terms of Use Agreement.

Disclaimer

THIS REPOSITORY IS NOT AFFILIATED WITH THE FEDERAL RESERVE BANKS AND IS NOT AN OFFICIAL SOURCE FOR THE FEDWIRE AND THE FEDACH DATA.