This eight-card reference set includes codes and timeframes for: ACH Returns, Dishonored and Contested Dishonored Returns, Notifications of Change (NOC), Special Exceptions (including Operator Rejects and Government Payments), Electronic Check Applications, IAT, WEB and TEL.

Purchase the 2023 Nacha Operating Rules & Guidelines Print and Online Resource together and save 10%

This Adobe-based product provides a four-year (2017-2020) archive compilation of the Nacha Operating Rules & Guidelines content in a convenient ebook presentation.

The numbers tell the story: The ACH Network is a bright spot amid the economic uncertainty of 2022.

This 4th Edition update provides a review of the variations in legal requirements and processing obligations relating to the origination of ACH entries when a Third-Party Sender is involved in the origination of transactions through the ACH Network.

HERNDON, Virginia, November 30, 2022 – Nacha's Payments Innovation Alliance has created a new resource aimed at financial institutions, billers and payments processors.

Some of Nacha’s top leaders were among those informing and enlightening participants at AFP 2022 in Philadelphia.

Following the increase of the Same Day ACH dollar limit to $1 million in March 2022, Nacha and the ACH Operators - the Federal Reserve and The Clearing House - have completed the latest phase in the acceleration of ACH payments with the implementation of “Late Night ACH.”

A timely reminder that the six-month grace period for Third-Party Senders to conduct a risk assessment and implement a risk management program ends on March 31, 2023.

11th Edition - Coming Soon!

This comprehensive manual explains the requirements of the Nacha Operating Rules & Guidelines and covers topics such as authorizations, disclosures, processing, funds availability, settlement, error resolution, returns, reversal

ACH participants must take action to control risk in any payment system — including the ACH Network.

Steady growth continued for the ACH Network in the third quarter of 2022, with 7.6 billion payments processed valued at $19.2 trillion. Those are increases of 4.2% and 6%, respectively, from a year earlier.

Nacha released a report on its latest Risk Management Framework today, providing a new strategy for industry participants in both the ACH Network as well as other payments systems to address new and persistent frauds that increasingly make use of credit-push payments.

This Rule will define and standardize practice and formatting of Micro-Entries, which are used by some ACH Originators as a method of account validation. This phase of the Rule requires Originators of Micro-Entries to use commercially reasonable fraud detection, including the monitoring of Micro-Entry forward and return volumes.

Changes are coming in September with new late night ACH file deliveries to financial institutions that are Receiving Depository Financial Institution (RDFI) clients of both the Federal Reserve and The Clearing House.

Direct Deposit is a great way to save time and get your Labor Day festivities started sooner.

Getting dentists to switch to electronic claim payments is at the heart of Nacha's new campaign with the American Dental Association.

While most Financial Institutions are entering quality data in the ACH Contact Registry, Nacha has heard about some frustrations in using the Registry.

Increasing the Same Day ACH dollar limit to $1 million per payment posed no greater fraud risk than the prior $100,000 threshold, a new survey by Nacha’s Risk Management Advisory Group (RMAG) found. 

The next time you visit Nacha’s Risk Management Portal you’ll find several changes which are the direct results of industry input.