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.
How Rules are Enforced
Consumers and businesses have come to trust the ACH Network as a secure way to receive their pay with Direct Deposit, pay bills through Direct Payment, donate to favorite causes and more. One factor that helps keep the ACH Network high quality is Nacha’s Rules enforcement. > Learn More
Who Can File
In order to file an ACH Rules Violation, you must be a Depository Financial Institution (DFI) or an ACH Operator. If you are not a DFI or Operator, please contact your financial institution and they can file on your behalf.
Benefits of Using the System of Fines
The System of Fines allows financial institutions to report and resolve alleged violations of the Nacha Operating Rules and Guidelines. Additionally, it:
- Provides a formal channel for the evaluation of circumstances related to possible rules violations and the imposition of fines if appropriate.
- Reduces exception processing for financial institutions.
- Maintains the reputation of the ACH Network.
Report a Violation
As the complainant, your organization must be a Participating DFI or ACH Operator that is party to the transaction in question. If that's not the case, your financial institution can file on your behalf.
Nacha’s Rules Enforcement Department by email at Nacha-Ntwrk-Compliance@nacha.org or phone at 703-561-1100.