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SEPA LEGL

Legal decision prevents return

Category: Response R-type: Recall / RFRO

SCT

Applies

SCT Inst

Applies

SDD Core

N/A

SDD B2B

N/A

Retryable

No — legal blocker

Generated by

Beneficiary bank — a negative response (camt.029) to a Recall or RFRO.

ISO 20022 definition

Legal decision prevents return (per EPC recall/RFRO negative-response guidance).

Typical cause

A legal proceeding, court order, or regulatory action in the beneficiary jurisdiction prevents the bank from returning the funds.

What to do about it

Escalate to legal/compliance — this is not a technical or operational failure and will not resolve through resubmission or further recall attempts.

Rulebook note

One of four negative-response codes (with NOOR, ARDT, AC04); the only one that is legal rather than operational/technical in nature.

Confidence: high. Sourced from PaymentBrief's SEPA R-transaction reference article, cross-verified against ISO 20022 external code sets and EPC guidance documents. Reason-code applicability and timing windows vary by rulebook version and bank handling — verify against your bank or PSP before acting.

Full reference

SEPA Return and Reject Codes: The R-Transaction Reference

Related codes

FOCR

Return following cancellation request

NOOR

Original SCT never received

ARDT

Already returned