Recent Updates

NACHA's Rules Intrepretation #1: PROPER USE OF SEC CODES; AGGREGATION OF TRANSACTIONS
Posted: April 14, 2008

The effective date of NACHA's Rules Interpretation on the Proper Use of SEC Codes and the Aggregation of Transactions is extended to August 4, 2008.

Interpretation #1 - Notice to ACH Rules Book Suscribers
Interpretation #1 - NACHA Rules Interpretation
Interpretation #1 - SEC Code Allocation Chart

Supplement #2 to the 2008 ACH Rules: Company Name Identification Rule
Posted: March 31, 2008
Since the publication of the 2008 edition of the ACH Rules, NACHA’s Voting Membership has approved one additional amendment to the NACHA Operating Rules (Rules). This amendment, which will become effective on June 20, 2008, will require an ACH Originator to clearly identify itself in an ACH entry through the use of a name that is known to and readily recognized by the Receiver. 
Download Documents:

Supplement #2 - 2008: Summary
Supplement #2 - 2008: Rules Pages

Supplement #3 to the 2007 ACH Rules and 2008 ACH Rules Changes
Posted: November 30, 2007
Since the publication of the 2007 edition of the ACH Rules, NACHA's Voting Membership has approved one additional amendment to the NACHA Operating Rules (Rules). This amendment is comprised of two parts, the first component of which will become effective on December 21, 2007, and second component is effective on March 21, 2008.

Supplement #3-2007: Summary
Supplement #3-2007: Rule Pages
2008 Rule Changes

Supplement #2 to the 2007 ACH Rules
Posted: September 10, 2007
Since publication of the 2007 edition of the ACH Rules, NACHA’s Voting Membership has approved two additional amendments to the NACHA Operating Rules.

2007 ACH Rules Supplement #2 - Summary
Rule Pages - Issues with Minor Impact to the Network (Category C)
2009 Rule Changes
Interim Policy on ACH Data Breach Notification Requirements
IAT Scenarios-Domestic or International
2008 Schedule of Fees 

Effective September 21, 2007
ACH Rules Change: Formatting requirements for TEL and WEB Entries; Return Reason Code R69 - ACH Rules changes, effective September 21, 2007, revise the Rules to (1) redefine the Individual Name Field for TEL and WEB entries (and related returns) as a mandatory field, and (2) includes an additional reason for which a return entry may be dishonored by an ODFI using Return Reason Code R69 (Field Errors).

Download ACH Rules Revision for details.

March 30, 2007
Supplement to the 2007 ACH Rules: A Complete Guide to Rules & Regulations Governing the ACH Network – Formal Rules Interpretations.

2007 ACH Rules Supplement #1 - SEC Codes for Check Conversion

2007 ACH Rules Implementation Guidance
Since the publication of the 2006 edition of the ACH Rules, NACHA’s Voting Membership approved five additional amendments to the NACHA Operating Rules (Rules). An amendment effective January 1, 2007, incorporates changes to ensure compliance with recent revisions to Reg E. An amendment effective March 16, 2007 makes minor refinements to BOC rules regarding ARC and POP notice requirements. And, three additional amendments effective on December 15, 2006, March 16, 2007, and September 21, 2007, involve nine Rules modifications having minimal impact on ACH Network participants.

To insure compliance, retain the following supplements and insert it into your 2006 rulebook. The online version of the ACH Rules will also be updated to incorporate this information.

Supplement 4: 2007 ACH Rules Changes
Supplement 4: Guidelines
Update 4: Summary

ACH Rule Change - Effective: September 15, 2006
Two new ACH Rules changes have gone into effect in regard to 1) ACH Return code use for Dishonored and Contested Dishonored Returns, and 2) Identification of Business Checks Ineligible for Conversion.   
Rules Changes Summary

ACH Rules Updates   
Supplement to the 2006 ACH Rules
On December 16, 2005, an amendment to the NACHA Operating Rules became effective that explicitly states the NACHA Board of Directors' authority to issue written interpretations of the Rules.