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.
 

Differentiating Unauthorized Return Reasons

This rule better differentiates among types of unauthorized return reasons for consumer debits. This differentiation will give ODFIs and their Originators clearer and better information when a customer claims that an error occurred with an authorized payment, as opposed to when a customer claims there was no authorization for a payment. ODFIs and their Originators should be able to react differently to claims of errors, and potentially could avoid taking more significant action with respect to such claims.

Rules

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Providing Faster Funds Availability

This new Rule increases the speed of funds availability for certain Same Day ACH and next-day ACH credits.

The faster funds availability rule will become effective on Sept. 20, 2019.

Differentiating Unauthorized Return Reasons

This rule better differentiates among types of unauthorized return reasons for consumer debits. This differentiation will give ODFIs and their Originators clearer and better information when a customer claims that an error occurred with an authorized payment, as opposed to when a customer claims there was no authorization for a payment. ODFIs and their Originators should be able to react differently to claims of errors, and potentially could avoid taking more significant action with respect to such claims.

Supplementing Data Security Requirements

This change to the Nacha Operating Rules will enhance quality and improve risk management within the ACH Network by supplementing the existing account information security requirements for large-volume Originators and Third-Parties. This change will be implemented in two phases.

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.
 

Expanding Same Day ACH

This new rule expands access to Same Day ACH by allowing Same Day ACH transactions to be submitted to the ACH Network for an additional two hours every business day. The new Same Day ACH processing window will go into effect on March 19, 2021.