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 set of Rules includes two amendments:  Optional Date of Birth Field for IAT Entries and Non-Bank Foreign Financial Agencies in 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 determinations.

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 impact.

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 credits.

This portion of a recent Rule amendment becomes effective on April 1, 2025 and requires an RDFI to advise the ODFI of the status of a Request for Return within ten (10) banking days of receipt of the ODFI’s request.

These changes will amend the Nacha Operating Rules to address a variety of minor issues and will become effective June 21, 2024.

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 occurre

These Rule amendments related to monitoring for fraud become effective on June 19, 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 occurred. 

These Rule amendments related to monitoring for fraud 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 occurred.

These Rule amendments 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 occurred.

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.

This Rule will define and standardize practices and formatting of Micro-Entries, which are used by some ACH Originators as a method of account validation.

This Rule clarifies the roles and responsibilities of Third-Party Senders (TPS) in the ACH Network by addressing the existing practice of Nested Third-Party Sender relationships, and making explicit and clarifying the requirement that a TPS conduct a Risk Assessment.

These changes will amend the Nacha Operating Rules (Rules) to address a variety of minor topics related to Meaningful Modernization, an ACH Operator edit and expiration of stop payments on non-consumer accounts.

This rule will continue to expand the capabilities of Same Day ACH. Increasing the Same Day ACH dollar limit to $1 million per payment is expected to improve Same Day ACH use cases, and contribute to additional adoption.

The Limitation on Warranty Claims limits the length of time in which an RDFI will be permitted to make a claim against the ODFI’s authorization warranty. The rule will become effective June 30, 2021.