"On July 1, 2026, the federal government published Canadian Payments Association By-law No. 10 — RTR (the RTR By-law) in the Canada Gazette marking a milestone in the launch of Canada's Real-Time Rail system (RTR). The coming into force of the RTR By-law on August 24, 2026 is expected to coincide with a critical phase of RTR implementation. RTR in Canada is moving from planning to implementation, and instant, data-rich, 24/7/365 payments with anticipated launch set for Q4 of 2026."