Updates and Upcoming Changes

Learn About Key Changes to ACH Payments

Stay Up-to-Date on New and Amended Rules

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Information on recent and upcoming changes to the NACHA Operating Rules helps you stay informed about ACH payment requirements. Review current and upcoming Rules, including each Rule’s impact, technical information, details and FAQs.


Same Day ACH: Moving Payments Faster

Upcoming - Effective 9/23/2016

This Rule will provide a new, ubiquitous capability for moving ACH payments faster and enable the same-day processing of virtually any ACH payment. 

Improving ACH Network Quality - Unauthorized Entry Fee

Upcoming - Effective 10/3/2016

This rule is intended to improve ACH Network quality by reducing the incidence of ACH debits that are returned as unauthorized. 

Recently implemented

ACH Network Risk and Enforcement Topics (January 1, 2015)

Recently implemented - Effective 1/1/2015

This Rule expands NACHA’s authority to initiate enforcement proceedings for a potential violation of the Rules related to unauthorized Entries. In addition, without imposing any new duties, the Rule includes a direct obligation on Third-Party Senders to monitor, assess and enforce limitations on their customer’s origination and return activities in the same manner the Rules require of ODFIs. These changes are expected to increase customer satisfaction with the ACH Network by reducing the volume of transactions subject to customer disputes.  

Dishonored Returns and Contested Dishonored Returns Related to an Unintended Credit to a Receiver

Recently implemented - Effective 3/20/2015

Creates a Return Reason code for ODFIs to dishonor ACH debit or credit returns.

Person-to-Person Payments via ACH

Recently implemented - Effective 3/20/2015

The rule builds on the first phase of implementation in March 2014 to require the origination of all P2P payments via the ACH Network to use the credit WEB format.

ACH Operator Edit for Returns

Recently implemented - Effective 9/18/2015

Requires ACH Operators to reject comingled RDFI and Operator Return Entries. 

ACH Network Risk and Enforcement Topics

Recently implemented - Effective 9/18/2015

This Rule will improve the overall quality of the ACH Network by reducing the incidence of returned Entries and the associated costs, both financial and reputational, that such returned Entries impose on the ACH Network and its participants. 

RDFI Obligation to Recredit Receiver - Improperly Reinitiated Entries

Recently implemented - Effective 9/18/2015

This Rule revises Article Three, Section 3.11 (RDFI Obligation to Recredit Receiver) to state that an RDFI’s obligation to recredit a consumer Receiver includes the circumstance of an improperly Reinitiated Debit Entry (as defined in Article Three, Subsection 3.12.4 Improperly Reinitiated Debit Entries).

Compliance and Operational Topics /Minor Rules Topics

Recently implemented - Effective 1/1/2016

Compliance and Operational Topics

Disclosure Requirements for POS Entries

Recently implemented - Effective 3/18/2016

This Rule establishes an Originator/Third-Party Service Provider obligation to provide consumer Receivers with certain disclosures when providing those consumers with cards used to initiate ACH Point of Sale (POS) Entries.

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