Education, Information and Compliance
A Complete Guide to the Rules Governing the ACH Network
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.
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.
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