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.

NACHA Board of Directors Policy Statement on Direct Access

Posted July 30, 2008

This policy addresses the importance of DFIs registering their direct access relationships with NACHA and following prudent risk mitigation techniques, including adherence to best practices, for the duration of these relationships.

NACHA Rules Interpretation: Proper Use of SEC Codes and Aggregation of Transactions

Posted November 9, 2007

This ACH Operations Bulletin describes a written interpretation (“Interpretation”) of the NACHA Operating Rules (“Rules”) approved by the NACHA Board of Directors on November 7, 2007.

Suspension of Implementation Date of Rule on Formatting Convention for Consumer Initiated Entries

Posted September 19, 2007

This ACH Operations Bulletin announces the suspension of the implementation date of September 21, 2007 for an amendment to the NACHA Operating Rules that would establish a formatting convention for use of the Individual Identification Number Field when CIE Entries are used for online consumer Federal tax payments.

ACH Data Breach Notification Requirements For Participating Depository Financial Institutions

Posted August 28, 2007

This ACH Operations Bulletin describes NACHA’s Interim Policy on ACH Data Breach Notification Requirements (“Interim Policy”), identifies the policy’s requirements for Originating Depository Financial Institutions (“ODFI”s), and provides guidance to Receiving Depository Financial Institutions (“RDFI”s).

Formal Rules Interpretation on the Proper Use of Standard Entry Class Codes for Check Conversion Entries

Posted March 13, 2007

This Operations Bulletin has been issued in accordance with Section 13.3 (Interpretative Rules) of the NACHA Operating Rules to clarify the Rules with respect to the exclusive use of the BOC and POP formats for the electronic conversion of checks accepted at the point of purchase.

Internet Gambling Transactions

Posted January 16, 2007

Through this Operations Bulletin, NACHA calls attention to current laws and forthcoming regulations that may affect the ACH Network.

Proper Use of Reason Return Code R69 (Field Errors)

Posted September 15, 2006

This Operations Bulletin is intended to be a reminder of the key points related to the appropriate use of Return Reason Code R69 (Field Errors) and address a common misuse of this return code in today’s marketplace.

Identification of Business Checks Ineligible for Conversion

Posted September 15, 2006

On September 15, 2006, an amendment to the NACHA Operating Rules (Rules) became effective that  modified  the  rules  with  respect  to  Accounts  Receivable  Entries  (ARC)  and  Point-of-Purchase Entries (POP) to enable ACH participants to more readily identify business checks that are ineligible for conversion to ARC and POP entries. ​This Operations Bulletin is intended to remind ACH participants of the fundamental aspects of this amendment.