Proposed

Please see the full list of proposed Rules below.

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DEADLINE:

Request for Information – Return Efficiencies - Dishonored and Contested/Corrected Dishonored Return Timeframes

Nacha is seeking industry information on the following:

  • Current timeframes for dishonored returns.
  • Communications between ODFIs and Originators/Third-Party Senders related to the dishonoring of returns.
  • Current timeframes for contesting or correcting dishonored returns.
  • Benefits of any updates to these time frames.

     

Responses to the Request for Information are due by June 26, 2026.

DEADLINE:

Request for Comment – Return Efficiencies - Return Time Frames

This Request for Comment (RFC) proposes to shorten the return timeframe for certain returns, based on specific return reason codes. Return reasons included are those that can be decisioned by a processing system without the need for further manual review. Faster returns bestow an ACH Network-wide benefit across many participants. 

DEADLINE:

Request for Information – Definition of Banking Day and Related Operational Topics

Nacha seeks industry information and responses on the meaning and significance of the defined term “Banking Day” in the Nacha Operating Rules and on related ACH operational issues.  Industry feedback will be used to help determine whether Nacha should propose a change to the Nacha Operating Rules regarding this topic.  In addition, Nacha will share aggregated and anonymized responses with both ACH Operators.

DEADLINE:

Request for Comment - Addition of U.S. Treasury to the ACH Contact Registry

This proposal would modify the Nacha Operating Rules to allow the U.S. Treasury’s Bureau of the Fiscal Service to participate in the ACH Contact Registry. The proposal would enable financial institutions and BFS to more easily connect with each other regarding ACH payments and exceptions using correct contact information for ACH operations and risk management. Use cases include communications regarding improper payments or claims of non-receipt of ACH payments, and financial institution questions about ACH payments sent by BFS.