NACHA Operating Rules

The ​Nacha Operating Rules are the foundation for every ACH payment. By defining the roles and responsibilities of financial institutions and establishing clear guidelines for each Network participant, the Rules ensure that millions of payments occur smoothly and easily each day. 

Featured Rules

Supplementing Fraud Detection Standards for WEB Debits

The effective date for an upcoming change in the Nacha Operating Rules is being extended by the Nacha Board of Directors. The WEB Debit Account Validation Rule now takes effect March 19, 2021, rather than Jan. 1, 2020. The rule was originally approved by Nacha members in November 2018. The Nacha Board of Directors approved the extension in effective date to allow for additional time, education and guidance to be provided to the industry. Additional information from Nacha will be forthcoming.

 

ACH Contact Registration

REQUEST FOR COMMENT - RESPONSES DUE BY FRIDAY, AUGUST 23, 2019

Nacha is issuing this Request for Comment to obtain industry feedback on a proposal to create an industry resource for financial institutions to be able to more easily connect with other financial institutions about ACH operations, exceptions and risk management. 

Rules

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ACH Contact Registration

REQUEST FOR COMMENT - RESPONSES DUE BY FRIDAY, AUGUST 23, 2019

Nacha is issuing this Request for Comment to obtain industry feedback on a proposal to create an industry resource for financial institutions to be able to more easily connect with other financial institutions about ACH operations, exceptions and risk management.