Implemented Rules

Please see the full list of recently implemented Rules below. The most recent change was effective Sept. 17.

Meaningful Modernization


Meaningful Modernization

These Rules intend to improve and simplify the ACH user-experience by: Facilitating the adoption of new technologies and channels for the authorization and initiation of ACH payments; Reducing barriers to use of the ACH; Providing clarity and increasing consistency around certain ACH authorization processes; and Reducing certain administrative burdens related to ACH authorizations

Minor Rules Topics

These changes will amend the Nacha Operating Rules (Rules) to address a variety of minor topics related to Meaningful Modernization, an ACH Operator edit and expiration of stop payments on non-consumer accounts.







Reversals and Enforcement

The overarching purpose of these two Rules is to deter and prevent, to the extent possible, the improper use of reversals and the harm it can cause.

The two Rules explicitly address improper uses of reversals, and improve enforcement capabilities for egregious violations of the Rules.

Limitation on Warranty Claims

The Limitation on Warranty Claims limits the length of time in which an RDFI will be permitted to make a claim against the ODFI’s authorization warranty. The rule will become effective June 30, 2021.

Supplementing Data Security Requirements (Phase 1)

The existing ACH Security Framework Rule -- including its data protection requirements -- will be supplemented to explicitly require large, non-FI Originators, Third-Party Service Providers and Third-Party Senders to protect deposit account information by rendering it unreadable when it is stored electronically.

Differentiating Unauthorized Return Reasons

This rule better differentiates among types of unauthorized return reasons for consumer debits. This differentiation will give ODFIs and their Originators clearer and better information when a customer claims that an error occurred with an authorized payment, as opposed to when a customer claims there was no authorization for a payment. ODFIs and their Originators should be able to react differently to claims of errors, and potentially could avoid taking more significant action with respect to such claims.

Expanding Same Day ACH

This rule expands access to Same Day ACH by allowing Same Day ACH transactions to be submitted to the ACH Network for an additional two hours every business day. The new Same Day ACH processing window became effective on March 19, 2021.

Learn more about Same Day ACH with our Resource Center.

ACH Contact Registry

An industry resource – the ACH Contact Registry - was created for financial institutions to be able to more easily connect with other financial institutions about ACH operations, exceptions and risk management. In order for the ACH Contact Registry to be a valuable, Network-wide resource, all financial institutions participating in the ACH Network need to participate. This rule enables the creation of this resource by requiring the registration of contact information by all financial institutions that participate in the ACH Network.

Increasing the Same Day ACH Dollar Limit

This rule is a major enhancement to Same Day ACH, as the dollar limit per payment quadruples to $100,000. Among the many uses of Same Day ACH, B2B payments are expected to reap some of the biggest benefits. Nacha estimates 97% of all ACH B2B payments are now eligible for Same Day ACH, compared to 91% under the previous $25,000 per payment limit.  Other common uses for Same Day ACH include Direct Deposit payments for insurance claims and disaster assistance.