NACHA News and Rules Updates

This list provides National Automated Clearing House Association (NACHA) resources that have information about rules, payments fraud and related risks.

2013 NACHA Updates

2013-March 15—Originating Depository Financial Institution Warranties—Compliance with Foreign Payment System Rules

This Rule revised the warranty of compliance with foreign payment system rules for Outbound International ACH Transactions (IAT) Entries, narrowing its scope to focus only on authorization of the Entry when such authorization is required by the laws or payment system rules of the receiving country.

2013-March 15—Data Passing

The Data Passing Rule will prohibit sharing of certain customer information by Originators, Third-Party Service Providers and Originating Depository Financial Institutions for the purpose of initiating debit Entries that are not covered by the original authorization.

2013-March 15—Return Rate Reporting

This Rule reduces the Return Rate Reporting period from 60 days to 30 days during which an Originating Depository Financial Institution is required to reduce its Originator’s return rate below the threshold before the initiation of a rules enforcement proceeding.

2013-March 15—Incomplete Transactions

This Rule will allow the return of a debit Entry to a Consumer Account within 60 days of the Settlement Date for an “Incomplete Transaction,” which is defined as a transaction for which a Third Party Sender debits a consumer’s account to collect funds, but does not complete the corresponding payment to the party to which payment is owed.

2013-September 20—Notifications of Change—Originator Obligations for Single Entries

This Rule makes the response to Notifications of Change (NOCs) for Single Entry payments optional. Single Entry payments can be originated using the following Standard Entry Class Code: Accounts Receivable, Back Office Conversion, Point-of-Purchase Return Check, Telephone–Initiated and Internet/Mobile Initiated entries.

2013-September 20—Stop Payment Effective Period for a Non-Consumer Account

This Rule recognizes that a stop order on a business account will lapse at the earliest of one of three conditions: (1) six-month expiration (2) withdrawal of the order (3) return of the debit Entry.

2013-September 20—ACH Security Framework

This Rule establishes the following minimum data security obligations for ACH Network participants to protect ACH data:

  • Requires non-consumer Originators, Participating Depository Financial Institutions, Third-Party Service Providers and Third-Party Senders to establish, implement and, as appropriate, update security policies, procedures, and systems related to the initiation, processing and storage of Entries.
  • Requires each Participating Depository Financial Institutions, Third-Party Service Provider, and Third-Party Sender to verify, as part of its annual ACH Rules Compliance Audit, that it has established, implemented, and updated the data security policies, procedures, and systems required by the Rules.

2013-September 20—Healthcare Payments via ACH

This Rule establishes standards to support health plans’ and healthcare providers’ use of the ACH Network for healthcare claims payments and payment- related information. This Rule includes processing enhancements and transaction identification and formatting requirements specific to healthcare claim payments. The following are major components of the Rule:

  • Originators of healthcare EFT Transactions are required to populate the Company Entry Description of the CCD Entry with the value “HCCLAIMPMT”.
  • Originators of healthcare EFT Transactions are required to include an addenda record with each CCD Entry and populate the Payment Related Information field to include the TRN (Reassociation Trace Number) data segment. The TRN information is needed by healthcare providers to re-associate Healthcare EFT Entries with the electronic remittance advice (ERA).
  • A Receiving Depository Financial Institution must make available, upon request by the healthcare provider, all information contained within the Payment Related Information field of an addenda record transmitted with a CCD Entry that is a Healthcare EFT transaction.
  • The tilde ~ data segment is defined as a valid data segment terminator within the addenda record for a CCD Entry Healthcare EFT Transaction.
  • The National Automated Clearinghouse Association (NACHA) Operation Rules are expanded to include healthcare terminology.

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2014 NACHA Updates

2014-March 21—International ACH Transaction—Identification of Additional Parties

This Rule establishes obligations and formatting requirements for Inbound International ACH Transactions to identify both parties that are ultimately being debited and credited.

2014-March 21—International ACH Transaction—Identification of Country Names

This Rule clarifies the manner in which countries must be identified within an International ACH Transaction Entry, eliminating the potential for ambiguity in identifying countries to or from which Entries are directed.

2014-March 21—Person-to-Person Payments

Mandatory use by Originating Depository Financial Institutions and Third-Party Senders by March 20, 2015

This Rule enables a credit version of the Internet / Mobile Initiated Entry (WEB) Standard Entry Class Code to be used when a credit transaction from one consumer account to another is authorized over the Internet. The Rule also addresses exceptions, indemnifications, and statement and formatting requirements that are unique to a credit (WEB) Entry.

2014-September 19—Proof of Authorization for Non-Consumer Entries

This Rule establishes a Receiving Depository Financial Institution’s right to request, and a Originating Depository Financial Institution’s obligation to provide, proof of authorization for an Entry to a corporate account. The Originator is required to provide proof of authorization or Originator’s contact information, which should help facilitate resolution of dispute over the validity of the Entry. The proof of authorization or contact information is required to be provided within 10 banking days.

2014-September 19—Prenotification Entries—Waiting Period Reduced to Three Banking Days

This Rule reduces the previous six banking-day waiting period to three banking-days between the initiation of a zero dollar Prenotification Entry and “live dollar” Entries. Originator may now initiate a “live” Entry to a Receiver’s account as soon as the third banking day, provided that the Originator has not received a return or Notification of Change (NOC) related to the Prenotification. A Prenotification provides notification to the Receiving Depository Financial Institution that the Originator intends to initiate Entries to a Receiver’s account in accordance with the Receiver’s authorization.

2015 NACHA Updates

2015-March 20—Unintended Credit to a Receiver

This Rule provides an automated mechanism to resolve situations in which a Reversal Entry has resulted in an unintended credit to the Receiver. An unintended credit occurs when either:

  1. An erroneous debit Entry is returned by the Receiving Depository Financial Institution while the Reversal credit Entry is posted to the Receiver’s account.
  2. A erroneous credit Entry posting to a Receiver’s account while the Reversal debit Entry is returned.

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