Nacha has adopted a Rule to provide a new, ubiquitous capability for moving ACH payments faster. The Rule will enable the same-day processing of virtually any ACH payment. 

These ballots amend the Rules to address a variety of minor topics. Minor changes to the Rules have little-to-no impact on ACH participants and no significant processing or financial impact.

This rule changes the structure of the audit requirement within the Rules, but does not change the requirement to conduct a Rules compliance audit annually.  

This change to the Nacha Operating Rules will enhance quality and improve risk management within the ACH Network by allowing RDFIs to indicate within a return that the original transaction was questionable or part of anomalous activity.

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

This rule is a major enhancement to Same Day ACH, as the dollar limit per payment quadruples to $100,000. Among the many uses of Same Day ACH, B2B payments are expected to reap some of the biggest benefits.

New capabilities of Same Day ACH become effective over phases to allow financial institutions and businesses to acclimate to a faster processing environment, as well as to ease the implementation effort.

New capabilities of Same Day ACH become effective over phases to allow financial institutions and businesses to acclimate to a faster processing environment, as well as to ease the implementation effort.

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