System of Fines

The National System of Fines provides the structure for evaluating possible violations of the Nacha Operating Rules and Guidelines.

What is the System of Fines?

The National System of Fines provides the structure for evaluating possible violations of the Nacha Operating Rules and Guidelines. Through a formal system of warnings and fines, it corrects infractions and helps ACH Network participants to remain within the Rules’ boundaries. Any violation of the Rules can be submitted. Submissions regularly involve issues with unauthorized entries, entries initiated to invalid account numbers and incorrect returns. 

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