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.

Upcoming

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. 

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. 
 

Recently implemented

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.

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. 

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