Nacha Operating Rules - New Rules
The Nacha Operating Rules are the foundation for every ACH payment. By defining the roles and responsibilities of financial institutions and establishing clear guidelines for each Network participant, the Rules ensure that millions of payments occur smoothly and easily each day. All Rules are displayed by effective date.
Micro-Entries
This Rule will define and standardize practices and formatting of Micro-Entries, which are used by some ACH Originators as a method of account validation.
Third-Party Sender Roles and Responsibilities
This Rule clarifies the roles and responsibilities of Third-Party Senders (TPS) in the ACH Network. The Rule is effective September 30, 2022, with a 6-month grace period for certain aspects of each topic.
Supplementing Fraud Detection Standards for WEB Debits
The WEB Debit Account Validation Rule became effective March 19, 2021. The rule was originally approved by Nacha members in November 2018 to become effective January 1, 2020.