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.

Proper Response to Notifications of Change

Posted July 27, 2006

This Operations Bulletin is intended to remind ACH participants, and ODFIs and their Originators in particular, about the proper handling of changes requested via the NOC process.

Use of the ACH Network for Illegal Internet Transactions

Posted May 16, 2006

The National Association of Attorneys General (NAAG) has advised NACHA of a problem with violations of federal and state laws governing the sale of tobacco products by Internet tobacco retailers. ​NAAG has requested NACHA’s assistance in their efforts to stop the illegal sale of tobacco over the Internet, asking that the NACHA membership refuse to provide electronic payment processing services to Internet tobacco retailers engaged in illegal sales.

Formal Rules Interpretation on the Use of PPD Debit Entries for Check Conversion

Posted March 17, 2006

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 POP format for the electronic conversion of checks accepted at the point of purchase.

Use of the Back of a Check for ACH Authorizations

Posted February 17, 2006

This operations bulletin is intended to alert ODFIs and other ACH Network participants to the following risks and dangers associated with this practice.

Interpretive Rule

Posted January 13, 2006

This amendment​ modified the NACHA Operating Rules to explicitly state that NACHA’s Board of Directors has the authority to issue binding, written interpretations of the Rules.

Clarification on Usage: Reason Return Codes for Stop Payments

Posted October 20, 2005

This operations bulletin is intended to clarify that Return Reason Code R08 (Payment Stopped) can be used to return any entry (including ARCs and RCKs) where a stop payment order has been placed on the ACH entry.

Use of PPD Debit Entries for Check Conversion

Posted September 25, 2005

Use of the PPD Standard Entry Class Code for the conversion of consumer checks accepted at the point of purchase for payment of goods and services is not expressly recognized under the NACHA Operating Rules, as the POP application was designed with the express purpose of converting checks at the point of purchase.

NACHA Decision on Rule Enforcement in Aftermath of Hurricane Katrina

Posted September 15, 2005

The ACH Rules Enforcement Panel has decided that it will not impose penalties on financial institutions that originate XCK entries to collect checks currently defined as ineligible under Subsection 2.7.2 of the NACHA Operating Rules.