Operations Bulletins

Staying Ahead of Industry Developments

Get Updates and Need-to-Know Information

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NACHA’s Operations Bulletins provide ACH Network participants with timely information on a variety of emerging topics. Bulletins may address NACHA Operating Rules interpretation, cyber-crime, industry guidance or governmental regulations affecting financial institutions and ACH Operators.

By keeping your organization up-to-date on current issues affecting the financial industry, you support the safety and integrity of the entire ACH Network.


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

Posted 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 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.

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

Posted April 11, 2017

ACH debits become eligible for same-day settlement with the implementation of Same Day ACH Phase 2 on September 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.

ACH Operations Bulletin #1-2017: Social Engineering Fraud Against Public-Sector and Other Entities

Posted February 16, 2017

This ACH Operations Bulletin provides information to Participating Depository Financial Institutions and their business customers about a specific type of social engineering fraud that is targeting public-sector entities. Fraudsters have used these social engineering techniques to manipulate public-sector entities into redirecting legitimate vendor payments to accounts controlled by the fraudsters. Although any business entity could be the target of this type of social engineering attack, public-sector entities seem to be specifically targeted because their contracting information is often a matter of public record.

ACH Operations Bulletin #2-2014: ACH Transactions Involving Third-Party Senders and Other Payment Intermediaries

Posted December 30, 2014

In most ACH transactions, the roles of the various parties to the transaction (e.g., Originator or Receiver) are well understood. When a transaction involves a Third-Party Sender or other payment intermediary, however, roles can become confused. Although the proliferation of new payment models makes it impossible to catalogue all the different fact patterns that may arise, this ACH Operations Bulletin is intended to provide some representative examples that should help participants and observers properly categorize the roles of the parties in payment scenarios involving different types of third party payment intermediaries, and understand how ACH transactions should be identified for consumers. Note: This ACH Operations Bulletin is for information purposes only, and is intended to provide general guidance regarding certain principles regarding the interpretation of the NACHA Operating Rules. All applications of the NACHA Operating Rules are subject to the facts and circumstances of the specific case. This ACH Operations Bulletin is not intended to provide legal advice. Readers should obtain their own legal advice regarding their obligations under the NACHA Operating Rules or applicable legal requirements. 

ACH Operations Bulletin #1-2014: Questionable ACH Debit Origination: Roles and Responsibilities of ODFIs and RDFIs

Posted September 30, 2014

This ACH Operations Bulletin addresses the applicability of various sections of the NACHA Operating Rules (NACHA Rules) to questionable ACH debit origination activity, highlights the roles and responsibilities of both Originating Depository Financial Institutions (ODFIs) and Receiving Depository Financial Institutions (RDFIs), and describes several amendments to the NACHA Rules related to these topics. Due to these Rules amendments, several aspects of two previous bulletins from 2013 have been superseded; therefore, this bulletin replaces ACH Operations Bulletin #2-2013 (issued on March 14, 2013) and ACH Operations Bulletin #3-2013 (issued on July 15, 2013).

ACH Operations Bulletin #1-2013: ODFI Warranty for Outbound IAT Entries

Posted March 8, 2013

This ACH Operations Bulletin advises Originating Depository Financial Institutions (ODFIs) and other ACH participants of an amendment to the NACHA Operating Rules regarding the warranty an ODFI makes for an Outbound IAT Entry.

ACH Operations Bulletin #2-2012: Third-Party Tax Payments Banking Convention (Revised 7/23/13)

Posted October 25, 2012

This ACH Operations Bulletin advises financial institutions, state revenue agencies, and other parties that remit tax payments to state revenue agencies of a new “Third-Party Tax Payment” banking convention.

ACH Operations Bulletin #1-2012: Use of Automated Enrollment Entries to Reroute Government Benefit Payments

Posted September 12, 2012

This ACH Operations Bulletin provides guidance to Participating DFIs that originate Automated Enrollment Entries (ENRs) on behalf of customers seeking to reroute Federal government benefit payments to a prepaid card.