Open 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.


Meaningful Modernization

Nacha is requesting industry feedback by May 1, 2020, on a set of Rules proposals and other concepts collectively referred to as “Meaningful Modernization.” The overarching purpose of these proposals is to improve and simplify the ACH user-experience by facilitating the adoption of new technologies and channels for the initiation of consumer ACH payments; reducing barriers to use of the ACH; providing flexibility and increasing consistency related to the authorization of consumer ACH payments; and reducing certain admi