NACHA’s Members support Rules compliance by reporting those violations, using the procedures below.
The National System of Fines provides the structure for evaluating possible Rules violations. Through a formal system of warnings and fines, it corrects infractions and helps ACH Network participants to remain within the Rules’ boundaries.
If your organization or financial institution discovers a potential infraction, it should submit the issue to NACHA through a Report of Possible ACH Rules Violation. As the complainant, your organization must be a Participating DFI or ACH Operator that is party to the transaction in question. If that’s not the case, your financial institution can file on your behalf.
To submit that report, you’ll need the following information:
Your report must be submitted to NACHA within 90 days of the alleged Rules violation occurrence. If you feel that more than one Participating DFI has committed the same Rules violation, you must submit a separate report for each case.
Each Report of Possible ACH Rules Violation should be either submitted online, or downloaded (form available in the right-hand side bar), completed and sent to NACHA, Attn: Compliance Department by U.S. Mail (2550 Wasser Terrace, Suite 400, Herndon, VA 20171).