Nacha News

Nacha creates broadly adopted payment and financial messaging rules and standards through consensus-led governance, international collaboration, and innovative development practices. We continually advance the ubiquitous ACH Network and engage diverse stakeholders to accelerate a digital future of global financial services interoperability.

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ACH Operations Bulletin #6-2020: Nacha Provides Relief on Return Rate Levels

April 2, 2020
Businesses that originate pre-authorized ACH debits for services that have been interrupted may face an elevated risk of returns. This could be due to consumers who: 1) lack funds (i.e., NSF); 2) place stop payment orders with their own banks or credit unions; or 3) make claims that debits are unauthorized because they can no longer access the service or have otherwise cancelled service.
Operations Bulletin

ACH Operations Bulletin #2-2019: Effective Date of New Same Day ACH Window Deferred by Six Months

March 12, 2019
The effective date of the new Same Day ACH processing window is deferred by 6 months until March 19, 2021. The Federal Reserve Board of Governors (“Fed Board”) has informed Nacha that it will not be able to provide timely notification of its approval for Federal Reserve services necessary to enable the new window by the deadline provided for in the rule.
Operations Bulletin

ACH Operations Bulletin #1-2019: Indemnification Agreement for Use by Financial Institutions in Requesting Return of Funds from ACH Entries

January 30, 2019
Nacha is publishing the attached form, entitled “Indemnification Agreement – Request for Return of Funds from ACH Entry” (“Indemnification Agreement”), for use by financial institutions in certain situations in which an ODFI requests the return of funds from an ACH transaction, and the RDFI desires to receive a written indemnification in addition to the indemnification contained in the Nacha Operating Rules (“Rules).”
Operations Bulletin

ACH Operations Bulletin #4-2017: Managing the Risks of Consumer-to-Other-Consumer Debits

November 27, 2017
The Nacha Operating Rules provide for Person-to-Person (P2P) payments via ACH credit transactions. In this way, one person can transfer funds to another person. Nacha has become aware that some financial institutions and their service providers are allowing consumers to debit other consumers’ accounts. This ACH Operations Bulletin[1] provides guidance to financial institutions and their service providers on the application of the Nacha Operating Rules and other risk management considerations relevant to the origination of such “consumer-to-other-consumer” (C2C) debits.
Operations Bulletin

ACH Operations Bulletin #2-2017: Same Day ACH and Debit Processing

April 11, 2017
ACH debits become eligible for same-day settlement with the implementation of Same Day ACH Phase 2 on Sept. 15, 2017. This ACH Operations Bulletin provides information to Originating and Receiving Depository Financial Institutions, Originators, Third-Party Senders, and software and processing vendors on important aspects of ACH debit processing in a same-day environment. Even those not planning to use same-day processing for ACH debits should take reasonable care to prevent unintentional same-day ACH debits.
Operations Bulletin