camt.110

camt.110 (Financial Institution Enquiry) is sent by a financial institution when it needs information about a payment, for example to investigate a missing fund claim from a customer or to request additional compliance data. The receiving institution responds with a camt.111 (Financial Institution Enquiry Response).

This message pair is significant because it is the final mandatory element of the CBPR+ Phase 3 implementation. Originally, banks needed receive-capability for camt.110 by November 2026. SWIFT deferred Standards Release 2026 on August 27, 2026 (the same announcement that postponed the structured-address/MT101 payments mandate), and SWIFT lists the deferred non-payments release for June 12, 2027; J.P. Morgan's summary of SWIFT's guidance says that release includes camt.110/111 (listed as "exceptions and investigations messages"). Before ISO 20022, investigation queries were handled via MT195/MT196 free-text messages, which were slow, unstructured, and often required manual handling.

With camt.110, investigation messages carry full UETR references, precise transaction details, and structured compliance fields, dramatically reducing the 3-5 business day resolution time typical of legacy investigations down to near-real-time.