Interface Transaction Standards: Introduction

Disclaimer: RDSP issuers

The information contained on this page is technical in nature and is intended for Registered Disability Savings Plan (RDSP), Canada Disability Savings Grant (grant) and Canada Disability Savings Bond (bond) issuers. For general information, visit the RDSP section.

Consult this page frequently for newer versions. The following laws and regulations take precedence over information contained in InfoCapsules in the event of discrepancies:

  • Income Tax Act
  • Canada Disability Savings Act
  • Canada Disability Savings Regulations

Versions

  • Version Number: 3.1
  • Version Date: June 2014

Document Version History:

  • Version: 1.0 Draft
    • Date: January 2008
    • Description: Initial draft commenced on this date. Final version expected for distribution on June 9, 2008.
  • Version: 1.0
    • Date: June 2008
    • Description: RDSP Interface Transaction Standards Version 1.0. This document covers all functionality for phase 1 of the CDSP system.
  • Version: 1.1
    • Date: September 2008
    • Description: RDSP Interface Transaction Standards Version 1.1. This document covers all functionality for phase 1a of the CDSP system.
  • Version: 1.2
    • Date: February 2009
    • Description: RDSP Interface Transaction Standards Version 1.2. This document covers all functionality for phase 1A and phase 1b of the CDSP system.
  • Version: 1.2
    • Date: May 2009
    • Description: Amendments to Version 1.2 of the RDSP Interface Transaction Standards
  • Version: 2.0
    • Date: September 2009
    • Description: RDSP Interface Transaction Standards Version 2.0. This document covers all functionality for phases 1a, 1b and 2a of the CDSP system.
  • Version: 2.1
    • Date: February 2010
    • Description: Version 2.1 of the RDSP Interface Transaction Standards. This document covers all functionality for phases 1 and 2 of the CDSP system.
  • Version: 2.1
    • Date: May 2010
    • Description: Amendments to Version 2.1 of the RDSP Interface Transaction Standards to include DAP and LDAP Reversals and changes to Reporting Transactions.
  • Version: 2.1
    • Date: July 2010
    • Description: Amendments to Version 2.1 of the RDSP Interface Transaction Standards to include Current Contract Status to RT-951 - Contract Status Report.
  • Version: 2.2
    • Date: December 2010
    • Description: Version 2.2 of the RDSP Interface Transaction Standards. This document includes the introduction of the Retirement Savings Rollover/Retirement Savings Rollover Reversal functionalities into the CDSP system.
  • Version: 2.3
    • Date: June 2011
    • Description: Version 2.3 of the RDSP Interface Transaction Standards. This document introduces RDSP Carry Forward and Shared Custody functionalities into the CDSP system including the Add Consent and Revoke Consent transactions.
  • Version: 3.0
    • Date: September 2012
    • Description: Version 3.0 of the RDSP Interface Transaction Standards. This document covers Budget 2012 changes to implement the Transfer Information Extract file and remove the 60 day Contract, 120 day Transfer and 180 day Financial submission requirements.
  • Version: 3.1
    • Date: May 2013
    • Description: Version 3.1 of the document provides guidelines for the submission of information relating to the Rollover of RESP investment income into RDSP, Episodic DTC Elections and Specified Disability Savings Plans Elections.
  • Version: 3.1
    • Date: June 2014
    • Description: Amendments to Version 3.1 of the RDSP Interface Transaction Standards. This document introduces the RT-981 – Beneficiary DTC Eligibility File.

Comments and questions regarding this document may be addressed to:

  • Employment and Social Development Canada – ESDC *
  • Electronic Services Section
  • 140 Promenade du Portage, Mailstop: Bag 4
  • Phase IV, Gatineau, Quebec K1A 0J9
  • Telephone : 1-888-276-3632
  • Email : rdsp-reei@hrsdc-rhdcc.gc.ca

* ESDC is responsible for the administration and delivery of the grant and the bond. Within ESDC, the Canada Education Savings Program (CESP) provides the delivery mechanism and necessary supports for the effective administration of the grant and bond.

1.0 Background to the Interface Transaction Standards

In the Budget speech of March 19, 2007, the Minister of Finance, the Honourable Jim Flaherty, P.C., M.P., announced the investment of $140 million to establish a Registered Disability Savings Plan (RDSP). RDSPs have been established under the Income Tax Act ( ITA ) and are administered by the Canada Revenue Agency (CRA). An RDSP is a long-term savings plan to help Canadians with severe and prolonged disabilities and their families save for the future. Employment and Social Development Canada (ESDC) is tasked with the administration of the disability savings incentives, which has two components: a Canada Disability Savings Grant (grant) component that is awarded as a percentage of contributions made to a particular RDSP as an incentive to encourage savings and for families with more modest means, there is a Canada Disability Savings Bond (bond) component that is awarded annually, based on net family income.

1.1 Foreword

The CDSP System Interface Transaction Standards (ITS) document outlines the procedures for formatting and submitting transactions electronically to the CDSP system. This foreword provides additional information about the requirements in the ITS and explains how the CDSP system, developed in support of the RDSP, grant and bond, validates and processes the transactions reported by the RDSP issuer.

The words "authorized agent" are used throughout this document to mean the organization conveying information electronically to the CDSP system and receiving grant and bond payments from the CDSP system. This organization must be the issuer of the RDSP as approved by the CRA, or an agent for the RDSP issuer. There may only be one agent and one issuer per RDSP Specimen Plan. However, the CDSP system does not consider a "service provider" who purely facilitates the electronic transfer of information to be the "sending organization" or authorized agent on behalf of the RDSP issuer.

When reference is made to the RDSP issuer, this is the organization ultimately responsible for the administration of the RDSP, grant and bond and, specifically, the organization that has secured approval for the particular RDSP Specimen Plan from CRA. This organization has been authorized to offer its services to the public as an issuer, has been identified as the issuer for a particular specimen plan, and has signed an agreement with ESDC allowing the issuer to administer the grant and bond.

Although the CDSP system validates certain information that it receives electronically prior to making grant and bond payments, RDSP issuers are reminded that all grants and bonds are paid on the condition that the RDSP complies with all relevant legislative requirements. This includes the RDSP registration rules described in Section 146.4 of the Income Tax Act and the conditions relating to the RDSP found in the Canada Disability Savings Act and its related Regulations. All grants and bonds are subject to repayment to the Crown should ESDC or CRA later discover payment was made inappropriately.

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