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.

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.

Corporate Account Takeovers Can Lead to Fraudulent Transactions

Posted December 2, 2009

This ACH Operations Bulletin provides information to Participating Depository Financial Institutions about “corporate account takeover” – a specific type of cyber-crime that is targeting small- and medium-sized business customers of financial institutions.

ACH Operations Bulletin: Unlawful Internet Gambling Transactions

Posted January 12, 2009

This ACH Operations Bulletin describes the obligations of participants in the ACH Network under a new regulation implementing the Unlawful Internet Gambling Enforcement Act, which were issued on November 12, 2008 by the Federal Reserve Board and the U.S. Department of the Treasury (the “Regulation”). 

Direct Access Registration Requirements For Originating Depository Financial Institutions

Posted September 22, 2008

This policy addresses the importance of Originating Depository Financial Institutions (ODFIs) registering with NACHA their direct access relationships for ACH debit transactions, and following prudent risk management techniques including adherence to best practices for the duration of these relationships.

Effective Date of NACHA Rules Interpretation Extended to August 4, 2008

Posted August 1, 2008

The effective date of NACHA’s Rules Interpretation (“Interpretation”) on the Proper Use of SEC Codes and the Aggregation of Transactions (see ACH Operations Bulletin, November 9, 2007) is extended to August 4, 2008.

IAT Effective Date Extended to September 18, 2009

Posted July 31, 2008

NACHA’s Board of Directors has extended the effective date of the International ACH Transaction (IAT) rules and formats for six months, to September 18, 2009.