Knowledge From Payment Industry Leaders
Access to Noteworthy Publications
Whatever your area of interest or need, use our collection of publications to expand your knowledge. Industry experts have contributed their knowledge in the form of books, articles, and papers for purchase.
2018 NACHA Operating Rules & Guidelines - Regular Edition
The ACH Network is the driving force in new innovations and technology in the way consumers and businesses access, move and use their money. The NACHA Operating Rules & Guidelines is the foundation needed for every ACH payment. Understanding the Rules & Guidelines keeps your organization at the top of its field -- ensuring efficient ACH payments, strengthening risk management practices and lessening returns and exceptions.
For 2018, the changes related to Same Day ACH and the newly implemented Third-Party Sender Registration rule have been fully incorporated into the text of the NACHA Operating Rules. The Regular Edition of the NACHA Operating Guidelines now includes an expanded discussion and scenarios surrounding Third-Party Sender Registration. Both the 2018 Regular and Corporate Edition Guidelines are updated to cover the latest guidance on consumer-originated debit transactions and refreshed information on OFAC requirements and obligations
Access to the Rules & Guidelines helps to identify new opportunities to leverage the ACH Network to meet customer’s needs, while maintaining a clear understanding of network requirements.
The Rules include the legal framework for the ACH Network, and the basic obligations of each ACH Network participant. Additionally, the included appendices contain details on Rules enforcement, annual audit requirements, a complete table of return reason codes and formatting specifications.
The Guidelines expands on the Rules, providing complete discussions of each ACH Network participant type and its role and responsibilities, detailed overviews of the Standard Entry Class Codes and use-case examples in special topic areas, such as Third-Party Service Providers.
The Regular Edition Guidelines is topped off by appendices containing samples of required forms and disclosures, as well as quick reference charts.
2018 NACHA Operating Rules & Guidelines - Corporate Edition
Access to the Rules & Guidelines – Corporate Edition, helps to identify new opportunities to leverage the ACH Network for business-to-business and customer-to-business payments.
The Rules include the legal framework for the ACH Network and the basic obligations of each Network participant. Its appendices include a complete table of return reason codes and ACH record layout specifications.
Additionally, the Corporate Edition contains excerpts from the NACHA Operating Guidelines that are important to businesses such as the Originator role and obligations, as well as detailed overviews of the Standard Entry Class Codes.
ACH Risk Management Handbook
ACH participants must take action to control risk in any payment system — including the ACH Network. The 6th edition explains the types of ACH payments risk, assesses the operational implications and provides sound business practices for developing an effective risk management program. In addition, case studies are included in each chapter to offer realistic examples to assist you in evaluating and implementing your risk management program.
Additional formats: Digital Access
New ACH Risk Management Handbook + Rules Product Bundles
ACH Compliance Manual - 8th Edition
In addition to the requirements the NACHA Operating Rules, this comprehensive manual covers a general overview of related Federal Regulations on topics, such as, authorizations, disclosures, processing, funds availability, settlement, error resolution, returns, reversals, retention, audit, all Standard Entry Class Codes and more. Also featured in this 8th edition is a chapter devoted to Same Day ACH that became effective in September 2016. Helpful compliance tips are included as well as a resource list and glossary of terms. (Updated 2016)
Additional Formats: Digital Access
Revised Uniform Commercial Code Article 4A and the ACH Network (UCC4A)
Evaluates the impact of UCC 4A on security procedures and bank/corporate agreements. Includes Article 4A with staff commentary. For financial institutions and corporations that handle ACH wholesale credits. (Updated 2016)
Third-Party Senders & the ACH Network
Third-Party Senders & the ACH Network is designed primarily for use by ODFIs and those Third-Party Service Providers that act in the specific role of Third-Party Senders. This publication provides a review of the variations in legal requirements and processing obligations relating to the origination of ACH entries when a Third-Party Service Provider, acting as a Third-Party Sender, is involved in the origination of transactions through the ACH Network. This edition reflects the latest NACHA Operating Rules changes, offers real-world examples of Third-Party Sender relationships, and includes sound business practices, risk management topics and a checklist of issues to be addressed by ODFIs, Originators, and Third-Party Senders in processing agreements.
Additional formats: Digital Access