Understand and Comment on Proposed Rules

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Shape Proposed Rules Through Your Comments

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By commenting on proposed NACHA Operating Rules changes, Network users strengthen ACH Network payments. NACHA seeks to adapt and grow the ACH Network to respond to today’s payments environment, which means regularly adding to and amending the Rules.

To ensure that each new Rule meets user needs and protects the integrity of the Network, we rely on your input. All ACH Network participants are invited to review the proposed Rules and add comments by way of the survey, linked within the Rule text. We encourage you to gather information from all impacted areas of your organization. Comment letters by email are also welcome. NACHA seeks public comments to inform the next steps in our rulemaking process. We will share a summary of responses and those planned steps following the close of the comment period.


Open for comment

Request for Information - DFI to DFI Messaging

Open for comment -

NACHA invites respondents to provide information on a concept to utilize the ACH Network for a new, ubiquitous capability to exchange non-monetary messaging between financial institutions. ​

Request for Comment - IAT Topics – Date of Birth, and Split Payments

Open for comment - Effective 3/16/2018

NACHA requests comments on two proposals to amend the NACHA Operating Rules as they relate to IAT Entries. These proposals are in response to requests from the industry to resolve issues related to financial institutions’ ability to fully evaluate IAT Entries for compliance with OFAC sanctions policies. If adopted, these proposals would provide additional information about parties to IAT Entries within the IAT record itself, rather than being obtained by other means outside the ACH Network.