Report of Alleged ACH Rules Violation

Maintaining ACH Network Quality

By requiring participants to comply with the Nacha Operating Rules and Guidelines, Nacha maintains a high-quality, secure ACH Network. It's essential that non-compliance issues be resolved fairly and efficiently to provide everyone with a reliable ACH Network. To that end, Nacha uses the National System of Fines as an enforcement mechanism for the Rules, allowing Depository Financial Institutions to review, evaluate and correct the circumstances surrounding any alleged Rule violation.

Nacha's Members support Rules compliance by reporting alleged violations, using the procedures below.

Learn More about the System of Fines

Submit an Alleged Rules Violation

The National System of Fines provides the structure for evaluating alleged Rules violations. Through a formal system of warnings and fines, it corrects infractions and helps ACH Network participants to remain within the Rules' boundaries.

To file an ACH Rules Violation, you must be a Depository Financial Institution (DFI) or an ACH Operator. If you are not a DFI or Operator, please contact your financial institution and they can file on your behalf.

While the instructions to file an alleged Rules violation are below, you also have the option to download and print out the instructions for filing before attempting to submit. Other documentation you may need is the Supporting Documentation Quick Reference.

Please note:

  1. If you leave the process idle for 20 minutes, it will time out and any work you have done will be lost.
  2. Supporting documents (text files, MS Word files, scanned images) can be uploaded in this process so we recommend you have all the relevant supporting documents ready to be uploaded when you start.
  3. If you have any questions, please contact us at Nacha-Ntwrk-Compliance@nacha.org or call Nacha at 703-561-1100 and ask for a member of the Compliance Department.

 

START THE SUBMISSION PROCESS

 

Instructions for Filing

As the complainant, your organization must be a Participating DFI or ACH Operator that is party to the transaction in question. If that's not the case, your financial institution can file on your behalf.

To submit a report, you'll need the following information:

  • Your contact and organization information, as well as your participant status (ODFI, RDFI or ACH Operator).
  • A clear description of the alleged violation, including the sequence of events and consequences of the violation.
  • The specific Rule provision that may have been violated.
  • Transaction information:

    • SEC Code
    • Transaction Code
    • Settlement Date
    • Dollar Amount
    • Trace Number
    • Account Number
    • Date of Alleged Rules Violation
    • Copies of all relevant documents with your report, such as Company/Batch Header Records, Entry Detail Records or Addenda Records.
    • Any written communication between the complainant and party in alleged violation of the Rules.
    • Signature of an authorized representative of the complainant.

Your report must be submitted to Nacha within 90 days of the alleged Rules violation occurrence. If you feel that more than one Participating DFI has committed the same Rules violation, you must submit a separate report for each case.

Each Report of Alleged ACH Rules Violation should be either submitted online (Nacha's preferred method) or downloaded, completed and faxed to 703-561-0819 or sent to Nacha, Attn: Compliance Department, 2550 Wasser Terrace, Suite 400, Herndon, VA 20171.