Closed for Comment

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.


Third-Party Sender Roles and Responsibilities

Nacha requests comments and feedbacks from industry stakeholders on two related Rules proposals collectively referred to as “Third-Party Sender Roles and Responsibilities”

Risks of Early Funds Availability

Nacha requests comments and feedbacks (Request for Information) on whether a Rules proposal should be developed to adjust the allocation of risk when RDFIs make funds from ACH credits available early, before the settlement date of the ACH credit.

Account Information Improvements Through the ACH Network

Nacha requests comments on a set of proposals that is intended to improve the capabilities of the ACH Network to validate and correct account information.  These proposed changes would provide ACH Network participants with more reliable, low-cost, ACH Network-based solutions to validate a Receiver’s account.  The set of proposals should be considered in its entirety in order to provide benefits to all parties in the ACH Network.