ACH Rules
NACHA Operating Rules
Since 1974, NACHA - The Electronic Payments Association has successfully administered private-sector operating rules ("NACHA Operating Rules") governing the exchange of ACH payments, and defining the roles and responsibilities of financial institutions and other participants in the ACH Network. The NACHA Operating Rules work in concert with applicable laws and regulations to provide a legal and business foundation for the use of ACH payments.
The NACHA Operating Rules are amended through a deliberative and inclusive process similar to that used by Federal agencies under the Administrative Procedures Act. This allows participants in the ACH Network - commercial banks, community banks, credit unions, large corporation, small businesses, consumer advocates, and industry vendors - the opportunity to comment on proposed rule changes.
Private-sector rulemaking provides the flexibility to promptly identify and respond to participant requirements and new technologies, and to define in sufficient detail the roles and responsibilities of participants in the ACH Network. From this foundation, the NACHA Operating Rules promote innovation and efficiency, and provide security and certainty regarding ACH payments.
Rules Education Resources
ACH Rules News
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June 23, 2010
NACHA® Membership Approves Rule on Mobile ACH Payments
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April 26, 2010
NACHA Membership Approves Simplification of NACHA Operating Rules
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April 1, 2008
Effective Date of NACHA Rules Interpretation Extended to August 4, 2008
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March 18, 2008
NACHA and ACH Operators Mark One-Year Countdown to IAT
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February 11, 2008
NACHA Approves Company Name Identification Rule
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November 26, 2007
NACHA's Voting Membership Approves Network Enforcement Rules Ballot
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November 9, 2007
Operations Bulletin – Rules Interpretation: Proper Use of SEC Codes and Aggregation of Transactions
NACHA Rules Interpretation
SEC Code Allocation Chart
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August 15, 2007
NACHA's Voting Membership Approves International ACH Transaction Ballot
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March 12, 2007
Welcome BOC:New Check Conversion Method Will Fill Market Need
Private-Sector Rulemaking for US Payment Systems - White Paper, June 2009
