You wouldn’t take a cross-country drive using an old paper map. So, why would you try to follow the Nacha Rules using an outdated guide? Hopefully you wouldn’t, and that’s where the new 11th Edition of the ACH Compliance Manual comes in. 

“It is one place that compiles a lot of information that individuals can use in their day-to-day life at a financial institution,” said Danita Tyrrell, AAP, APRP, Nacha Senior Director, ACH Network Rules Development and Technical Support.  

When the 10th Edition was produced in 2021, certain Rules changes were only briefly mentioned. The 11th edition contains detailed discussions on the refined rules for reversing entries and files, the newly defined concepts of a standing authorization and subsequent entry, and the ODFI alternative to providing proof of authorization.  

During a chat on Nacha’s Payments SmartCast podcast, Tyrrell said that while the Nacha Operating Rules and Guidelines covers a broad range of topics, “the Compliance Manual is skinnied-down to those essential elements somebody would need to know.” 

That proved invaluable to Annette Brown when she was studying for the AAP exam. 

“It made it a lot easier to focus,” said Brown, who earned not only her AAP but also her APRP accreditation while working at 3Rivers FCU. She is now Assistant Director, ACH Network Rules, at Nacha. When she needed more information on a particular Rule or topic while studying, the Compliance Manual helped point the way to the correct section of the rulebook. 

“That just made the studies more focused when you may not have a lot of time to study,” said Brown.  

The 11th Edition of the ACH Compliance Manual is available in the Nacha Store as well as from the Payments Associations.  

To hear the podcast in its entirety, including a behind-the-scenes look into the updating process for the Compliance Manual, click here.