The Nacha Rules require financial institutions and Third-Party Senders (TPSs) to conduct Rules Compliance Audits and risk assessments of their ACH activities. The Rules also state an ODFI is responsible for all Entries originated through the ODFI, whether by an Originator or through a TPS.

Executive Summary

One of the new Rules that went into effect on Oct. 1, 2024, expands an RDFI’s voluntary exemption from the funds availability requirement of the Nacha Operating Rules. The Rule also requires an RDFI to take reasonable steps to notify an ODFI if the RDFI exercises this exemption.

It’s still early days, but Ross McFerrin sees great potential for pay by bank. 

Reducing successful credit-push frauds—and improving funds recovery—is something all financial institutions should be doing. A package of Nacha Rule changes to help in thos

Fraud prevention should be top of mind for all financial institutions. New Nacha Rules taking effect soon are intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after frauds have occurred.

11th Edition

This edition of the ACH Compliance Manual is essential for AAP and APRP exam candidates and those prepping for ACH audits or regulatory examinations.

Regulators and the Nacha Operating Rules require all financial institutions to conduct an ACH Compliance Audit annually.

Nacha’s voting membership recently passed a set of amendments to the Nacha Operating Rules intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after frauds have occurred.

Have you checked out Nacha's new, improved Risk Management Portal?

A TPS that has agreed with a Participating DFI to process Entries has certain, specific ACH Rule obligations, including the requirement to implement an ACH Risk Management Program.

This convenient quick-reference tool helps ACH Originators quickly and easily understand their obligations under the ACH Rules.

This convenient quick-reference tool helps ACH Originators quickly and easily understand their obligations under the ACH Rules.

This convenient quick-reference tool helps ACH Originators quickly and easily understand their obligations under the ACH Rules.

The Third-Party Sender ACH Risk Assessment Workbook is designed to assist Third-Party Senders of all types in addressing their ACH risk.

The purpose of the ACH Quick Reference Guide for Corporate Users is to help corporate Originators comply with the Nacha Operating Rules. It is a summary of those tasks most important to Originating ACH debits and credits.

This convenient quick-reference tool helps ACH Originators quickly and easily understand their obligations under the ACH Rules.