Operations Bulletins

Staying Ahead of Industry Developments

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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 #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.

IAT Processing and the “Effect of Illegality”

Posted September 20, 2010

This ACH Operations Bulletin provides guidance to Participating DFIs on their obligations for the timely processing of International ACH Transactions (IAT), and the application of the rule provision on the “Effect of Illegality.”

Impact of Federal Reserve Overdraft Opt-In Rule on RDFIs and ACH Payments

Posted July 2, 2010

This ACH Operations Bulletin provides guidance to ACH Network participants, particularly Receiving Depository Financial Institutions, on the application of the Federal Reserve Board’s recent amendments to Regulation E on overdrafts to a specific class of ACH transactions.

Direct Access Registration Requirements For Originating Depository Financial Institutions [1]

Posted March 29, 2010

All ODFIs must register their Direct Access status with NACHA no later than June 18, 2010. ODFIs that have already registered their Direct Access status with NACHA do not have to register again unless their Direct Access status changes.