Featured Publications

Knowledge From Payment Industry Leaders

Access to Noteworthy Publications

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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.

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2017 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.

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.
 
For 2017, the Rules & Guidelines (Regular and Corporate Editions) are updated to include rules language and discussions of Same Day ACH and Third-Party Sender Registration.

Additional formats: Digital Access, Online and CD-ROM

 

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2017 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. 

For 2017, the Rules & Guidelines (Regular & Corporate Editions) are updated to include rules language and discussions of Same Day ACH and Third-Party Sender Registration.

Additional formats: Digital Access, Online and CD-ROM
 

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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)

 

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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)