# CdtrAgt

Financial institution servicing an account for the creditor.

* Is optional
* Type: `object`


with following properties:

| Property | Type | Required | Description |
|  --- | --- | --- | --- |
| [BrnchId](/products/payments-odl/api-docs/ripplenet/resources/srpo/supporting-info-definitions/branch_id) | Object | Optional | Allows the details of the Creditor Agent Branch to be held. Defined in `#/definitions/branch_id` |
| [FinInstnId](#fininstnid) | Object | Optional | Allows the details of the Creditor Agent to be held. |


## `FinInstnId`

Allows the details of the Creditor Agent to be held.

The full list of [FinInstnId](/products/payments-odl/api-docs/ripplenet/resources/srpo/supporting-info-definitions/financial_institution) properties is defined in `#/definitions/financial_institution`. However, the following properties are required for `CdtrAgt.FinInstnId`:

| Property | Type | Required | Description |
|  --- | --- | --- | --- |
| `BICFI` | String | Required | Code allocated to a receiving institution by the ISO 9362 Registration Authority as described in [ISO 9362 "Banking - Banking telecommunication messages - Business identifier code (BIC)"](https://www.iso.org/standard/60390.html). **Usage Guidelines:**If you specify `BICFI`, do not specify `ClrSysMmbId.MmbId`.Use this property in conjunction with `CdtrAcct.Id.IBAN`. The string must be either 8 or 11 characters long.You must specify a valid value according to the ISO 9362 standard.An example of a valid `BICFI` value is "BANKGB22". |
| `ClrSysMmbId.MmbId` | String | Required | Contains the routing code or sort code for the institution. This proprietary or domestic code is used to identify the Creditor Agent. **Usage Guidelines:** If you specify `ClrSysMmbId.MmbId`, do not specify `BICFI`. Use this property in conjunction with `CdtrAcct.Id.Othr.Id`. You must specify this property regardless of the transfer type.For cash payouts, specify the ID of the agent facilitating the payout.For mobile or e-wallet transfers where the wallet issuer is a non-banking entity, specify the ID of the wallet issuer.Maximum length: 35 charactersAn example of a valid Creditor Agent sort code for a non-cash payout transfer type is "37040044".  An example of a valid Creditor Agent sort code for a transfer with a cash payout is "Jollibee". |
| `ClrSysmMmbId.ClrSysId.Cd` | String | Required only if `ClrSysmMmbId.MmbId` is specified. Not applicable otherwise. | Information used to identify a member within a clearing system. List based on ISO20022 ExternalClearingSystemIdentification1Code List [27-Aug-2021](https://www.iso20022.org/sites/default/files/2021-08/ExternalCodeSets_2Q2021.xlsx). **Usage Guidelines:**Do not specify `ClrSysmMmbId.ClrSysId.Cd` if you do not specify `ClrSysMmbId.MmbId`.The value of this property **must** be equal to one of the known values. The list of known values is defined in `#/definitions/externalclearingsystem`.For cash payouts, specify `NOREQ`. An example of a valid clearing system code is "DEBLZ". |


## JSON schema extract


```json
"CdtrAgt": {
    "type": "object",
    "description": "Financial institution servicing an account for the creditor.",
    "properties": {
        "FinInstnId": {
            "type": "object",
            "description": "Allows the details of the Creditor Agent to be held",
            "$ref": "#/definitions/financial_institution"
        },
        "BrnchId": {
            "type": "object",
            "description": "Allows the details of the Creditor Agent Branch to be held",
            "$ref": "#/definitions/branch_id"
        }
    }
}
```