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      What is ACH and how does it affect your life? Here’s what you need to know.
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41 results related to "*"
October 10, 2025
Funds Availability Requirements for Non-Same Day Credit Entries
This rule will eliminate the 5:00 pm local time receipt condition, so that funds availability would be required at 9:00 am (in the RDFI’s local time) on Settlement Date for all non-Same Day ACH …
October 10, 2025
International ACH Transactions (IAT)
This set of Rules includes two amendments:  Optional Date of Birth Field for IAT Entries and Non-Bank Foreign Financial Agencies in IAT Entries.   These new Rules align with Nacha’s strategies and objectives for the ACH Network to improve the ACH user …
October 10, 2025
Registration of IAT Contacts in the ACH Contact Registry
This Rule will require a Participating DFI to register their IAT- handling contact with either:   The name, title, email address, and phone number for at least one primary and one secondary contact person for the area of responsibility; or   Department …
October 10, 2025
New Return Reason Code for Sanctions Compliance Obligations
This rule will create a new return reason code (R90) to support an RDFI’s decision to return an entry in compliance with sanctions obligations. This rule also expands Article Three, Section 3.8 (RDFI's Right to Transmit Return Entries) to adopt a unique …
October 10, 2025
Minor Topics Rule Changes
These changes will become effective January 1, 2026. These changes will have little to no impact on ACH participants and no significant processing or financial …
October 10, 2025
Definition of IAT Entries
Industry participants have indicated difficulty in understanding the existing definition of IAT.  The intent of this rule is to provide more clarity for users when making IAT …
October 1, 2025
Supplementing Fraud Detection Standards for WEB Debits
The WEB Debit Account Validation Rule became effective March 19, 2021. The rule was originally approved by Nacha members in November 2018 to become effective January 1, 2020. The Nacha Board of Directors approved an extension in effective date to allow …
July 30, 2025
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 …
July 11, 2025
RISK MANAGEMENT TOPICS – Company Entry Descriptions
These two Rule amendments on Company Entry Descriptions become effective on March 20, 2026 and are part of a larger Risk Management package intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after frauds have …

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