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.


Customer Service Inquiries: ACH Processing and Hurricane Katrina

Posted September 6, 2005

The following question and answer format is intended to provide guidance to RDFIs in responding to the needs of their account holders while remaining in compliance with the requirements of the NACHA Operating Rules.

RDFI Customer Service Issues for ARC Payments

Posted August 5, 2003

The ability to respond knowledgeably to customer inquiries will be an important contributor to customer acceptance of these transactions, as well as customer satisfaction with their financial institutions.

ODFI Liability for Breach of Warranty

Posted March 28, 2003

The question relates to whether an ODFI’s liability for a breach of its warranty that an ACH entry is authorized is limited to the period of time in which an RDFI has the right to return the entry through the ACH Network (i.e., sixty days after the settlement date of the entry for consumer transactions and two days after the settlement date of the entry for non-consumer transactions) or whether this liability exists for a longer period of time.

Telephone-Initiated (TEL) Entries

Posted September 19, 2002

This Operations Bulletin is intended to identify specific risk management concerns related to the origination of TEL entries and to clarify key rules obligations with respect to proper authorization and use of the TEL application.