Orca

AFAQ Returns (SAMA rules for Saudi participants)

77 codes that cover most of what an originator sees. Each one carries the decision: retry or stop, how long the receiving institution has to send it, what the guidance rests on, and when it was last checked.

What the tier labels mean, and how far this page has been checked
Draft
An agent wrote it from published material and nobody has checked it. Use it as a lead to confirm, never on its own as the basis for a retry, a return, a deadline or a compliance decision.
Corroborated
A validator found the same answer in one or more named public sources; the class in brackets says how strong they are. "Secondary sources only" means bank, processor or industry guides and nothing from the operator or regulator. Corroborated does not mean checked against the governing rulebook, so confirm before you act.
Verified
A person checked it against Saudi Central Bank (SAMA), for its direct participants; AFAQ is owned by the six GCC central banks and run by the Gulf Payments Company's own current text and recorded the edition and date. The strongest tier here, and still reference material, not legal or compliance advice.

On a rail fact, every detail line names the section or instrument it rests on and whether that is a rule, a law, operator guidance, or observed practice.

Known gaps in this build

Not yet covered: the return code lists and deadlines that the other five GCC central banks set for their own participants were not read, so every record reports SAMA's rules only; SAMA publishes one line per code and no guidance on when to use each; triggers and actions beyond that line are inference; the AFAQ message format guides are controlled documents shared with participants only, so which message field carries the code and any additional information is not stated; the live code dictionary in the AFAQ Central Component may hold codes that the published appendix lacks; XX00, which SAMA lists as the placeholder the Central Component puts in place of an unregistered code, has no record because it names no reason.