Use this first to discover the ``policy_id`` values the other tools
accept (e.g. ``cbpr-2026``, ``sepa``, ``hvps-plus``,
``generic-structured``).

Returns a list of ``{"id": ..., "title": ..., "tier": ...}`` objects.

Use this for a quick shape check before deciding whether to remediate.
For the specific compliance findings under a policy, use
``assess_address`` instead.

Args:
    address: The postal address to classify.

Args:
    address: The postal address to assess.
    policy_id: The policy to assess against (defaults to cbpr-2026).
    as_of: The assessment date (YYYY-MM-DD); defaults to today.
    country_hint: Country to assume when the address has none.

Args:
    xml: The ISO 20022 message document.
    policy_id: The policy to assess against (defaults to cbpr-2026).
    as_of: The assessment date (YYYY-MM-DD); defaults to today.

Returns the findings, the before/after addresses, and the patch
operations (each carrying the finding it resolves, the source token,
and a confidence score).

Args:
    address: The postal address to remediate.
    policy_id: The policy to remediate for (defaults to cbpr-2026).
    as_of: The assessment date (YYYY-MM-DD); defaults to today.
    country_hint: Country to assume when the address has none.

Args:
    xml: The ISO 20022 message document.
    policy_id: The policy to remediate for (defaults to cbpr-2026).
    apply: Whether to apply the operations and return patched XML.
    as_of: The assessment date (YYYY-MM-DD); defaults to today.

Args:
    xml: The ISO 20022 message document.
    policy_id: The policy to remediate for (defaults to cbpr-2026).
    as_of: The assessment date (YYYY-MM-DD); defaults to today.

Args:
    code: The finding code to explain.

Swift accepted a community request on 27 August 2026 and deferred every
payments change in Standards Release 2026, the structured-address
requirement among them. No replacement date has been set; Swift will
confirm timing by December 2026 at the latest.

``date`` is therefore ``None``. It is left null rather than filled with
the withdrawn date because an agent reading this hands the answer to
somebody planning a migration, and a date with no force is worse than no
date at all. The requirement itself was agreed by the community in 2023
and stands: ``status`` says deferred, not withdrawn.

The deferral is Swift's, and covers CBPR+. Domestic market
infrastructures set their own timing and several were aligned to the same
November date; check the schemes you settle through rather than assuming
they moved with Swift.

Accepts English names, common local-language endonyms (Deutschland,
España, Nippon), everyday aliases (UK, USA, Holland, UAE), and existing
2- or 3-letter codes. Matching is case-, accent-, and punctuation-
insensitive.

Args:
    country_name_or_code: The country name, alias, or code to resolve.

Returns a ``{"country_code": "DE"}`` object, or ``{"error": ...}`` when
the input matches no known country.

Handles the leading-number convention (US/UK: ``10 Downing Street``),
the trailing-number convention (much of continental Europe: ``Rue de
Rivoli 12``), and an optional sub-building marker (``Flat 2``, ``Apt
3B``, ``Suite 400``). When no building number is present the whole line
is returned as ``street_name`` (never an error).

Args:
    street_line: The free-text street line to split.

Returns ``{"street_name", "building_number", "sub_building"}`` with
``building_number`` / ``sub_building`` set to ``null`` when absent.

Supported policies: US (5-digit ZIP or ZIP+4), GB (alphanumeric UK
postcode), DE and FR (5 digits), JP (3-then-4 digits). The address is a
canonical-field JSON object; only its ``post_code`` is inspected.

Args:
    address: The structured address whose post_code to validate.
    country_code: The alpha-2 code selecting the policy.

Returns ``{"is_compliant": bool, "policy_errors": [...]}``. An unknown
country or a missing post_code is reported as non-compliant with a
descriptive error rather than raising.

Uses the optional libpostal statistical parser (the ``postal`` binding,
which requires the system libpostal C library) when it is installed,
and otherwise degrades to this repo's own regex heuristics. Either way
the address is mapped to ``StrtNm``, ``BldgNb``, ``PstCd``, ``TwnNm``
and ``Ctry``. The result's ``parser`` field is ``"libpostal"`` or
``"fallback"`` so callers know which path ran. Runs purely on CPU with
no network or filesystem access, though the libpostal path depends on
an external C library.

Args:
    unstructured_address: The free-text address to parse.
    country_hint: Country to assume when the text names none.

Returns ``{"parser": ..., "address": {StrtNm, BldgNb, PstCd, TwnNm,
Ctry}}``.