Minor Rules Topics

These ballots amend the Rules to address a variety of minor topics. Minor changes to the Rules have little-to-no impact on ACH participants and no significant processing or financial impact.

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Detailed Information

ACH Operator Edits
This change aligns the Rules with current ACH Operator file editing practices.

Clarification on TEL Authorization Requirement
This change makes clear that the general rules governing the form of authorization for all consumer entries apply to TEL entries. This rule also incorporates a reference to consumer account within the general rules for TEL entries.

Clarification of RDFI Obligation to Return Credit Entry Declined by Receiver
This change clarifies the specific conditions under which an RDFI is excused from its obligation to return a credit entry. It also modifies the language to refer to an entry being “declined” (rather than “refused”) by the Receiver.

Editorial Clarification on Reinitiation of Return Entries
This editorial change clarifies the existing intent that reinitiation is limited to 2 times.

Editorial Clarification on RDFI Liability Upon Receipt of a Written Demand for Payment
This editorial clarification makes clear that an RDFI may return a Written Demand for Payment only if it was not properly originated by the ODFI.

These changes modify the following areas of the NACHA Operating Rules:

ACH Operator Edits – changes requested by an ACH Operator to reflect existing file editing practices, primarily related to duplicate file detection and customer notification (Appendix Two, Part 2.1, Part 2.2, Part 2.3, Part 2.4, Part 2.5, Appendix Three, Subpart 3.2.1)

TEL Authorization – clarifies that general authorization requirements apply to authorization of TEL entries, and that TEL entries are to consumer accounts; no change to intent (Article Two, Subsection 2.5.15.1, Subsection 2.5.15.2)

Credit refused by Receiver – reflects existing practices regarding circumstances under which an RDFI is, or is not, obligated to return a credit entry that has been declined by a Receiver (Article Three, Subsection 3.8.3.2)

Reinitiation – clarifies language that reinitiation is limited to two times; no change to intent (Article Two, Subsection 2.12.4.1)

Reclamations – clarifies language regarding conditions under which an RDFI may return a Reclamation Entry or reject a Written Demand for Payments; no change to intent (Article Three, Subsection 3.6.2)

These changes become effective January 1, 2019.

Minor changes to the Rules have little-to-no impact on ACH participants and no significant processing or financial impact.