NEACH is your source for information on recent and upcoming changes to the NACHA Operating Rules. Stay informed about ACH payment requirements, review current and upcoming Rules, including each Rule’s impact and details, as well as quickly access additional information from NACHA – The Electronic Payments Association, from one convenient location.

Minor Rule Changes

Effective on January 1, 2019


On November 2, 2018 NACHA approved nice amendments to the NACHA Operating Rules. These changes are broken out into three main categories: ACH Quality and Risk Management Topics, ACH Rules Compliance Audit Requirements and Minor Rule Changes.

Effective January 1, 2019

The Minor Rules Topics amendments change five specific areas of the NACHA Operating Rules to address minor issues. These changes have little to no impact on ACH Participants and no significant processing or financial impact.

  1. ACH Operator Edits

This change grants the ability to the ACH Operator to pend an ACH File as an alternative to rejecting files under certain error conditions. Primarily for detection of potential duplicate files.

  1. Clarification on TEL Authorizations Requirements

This change clarifies that the general rules governing the form of authorization for all consumer debits apply to TEL entry authorizations including revocation language. The change also clarifies the TEL entries are consumer debits only.

  1. Clarification of RDFI Obligation to Return Credit Entry Declined by Receiver

This change reflects existing practices regarding reasons that a RDFI is or is not obligated to return a credit entry that has been declined by the receiver. This change specifies the conditions under which the RDFI is excused from its obligation to return a credit.

  1. Clarification on Reinitiation of Return Entries

This amendment is an editorial change to the language clarifying the existing intent that reiniation is limited to two times

  1. Clarification on RDFI liability upon receipt of a written demand for payment

This amendment contains editorial changes regarding conditions for when a RDFI may return a Commercial Reclamation Entry or reject a Written Demand for Payment. These changes clarify that an RDFI may reject a Written Demand for Payment only if it was not properly originated by the ODFI.




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