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2013 Updates

Supplement #2 to the 2013 ACH Rules:
On September 9, 2013, NACHA's Voting Membership approved nine amendments to the NACHA Operating Rules (Rules) :

  • Reclamation Entries - Corrections to Rules Governing Authorizations
  • Person-to-Person Entry Refinements
  • Incomplete Transaction Clarifications
  • Use of the Tilde as a Data Segment Terminator
  • Editorial Clarification - Non-Consumer Receiver's Obligation to Credit Originator's Account
  • Prenotification Entries - Reduction in Waiting Period for Live Entries
  • Alignment of Audit Requirement with Rules - Proof of Authorization for Non-Consumer Entries
  • Notification of Change - Removal of Change Code C04 (Incorrect Individual Name/Receiving Company Name)
  • ACH Operator Edit for Returns

     

    The effective dates of these changes span from January 1, 2014 through September 18, 2015. Please see each amendment for further information on its effective date.

    Supplement #2-2013 also contains the 2014 ACH Network Administration Fees as approved by NACHA's Board of Directors. The new fee schedule is effective January 1, 2014.

    This supplement provides ACH Network participants with a summary of the key components of each change, along with details regarding the technical changes to the Rules language. To ensure compliance with the most current rules, use this supplement in conjunction with 2013 edition of the NACHA Operating Rules & Guidelines.

    Supplement 2-2013 (PDF, 162K) October 10, 2013

     

    Supplement #1 to the 2013 ACH Rules:
    On March 7, 2013, NACHA's Voting Membership approved eight amendments to the NACHA Operating Rules (Rules):

  • ODFI Warranties - Compliance with Foreign Payment System Rules
  • Originator Obligation with Respect to Notifications of Change for Single Entries
  • Stop Payments - Effective Period of Stop Payment for a Non-Consumer Account
  • Identification of Additional Parties to an IAT Entry
  • Identification of Country Names Within IAT Entries
  • Person-to-Person Payments via ACH 

The effective dates of these changes span from March 15, 2013 through March 20, 2015. Please see each amendment for further information on its effective date. This supplement provides ACH Network participants with a summary of the key components of each change, along with details regarding the technical changes to the Rules language. Supplement #1-2013 also contains updated guidance related to ACH data security that impacts two chapters of the NACHA Operating Guidelines (Guidelines). The first part of the guidance completely replaces the section entitled "ACH Data Security Requirements" found in Chapter 4 General Rules of the 2013 Guidelines. The second part replaces Chapter 7 ODFI Risk Management in its entirety. To ensure compliance with the most current rules, use this supplement in conjunction with your 2013 Rulebook.

Supplement 1-2013 (PDF, 349K) April 30, 2013

2012 Updates

Supplement #2 to the 2012 ACH Rules:

On October 31, 2012, NACHA's Voting Membership approved two amendments to the NACHA Operating Rules (Rules): ACH Security Framework and Healthcare Payments via ACH. These amendments will become effective September 20, 2013.
This supplement provides ACH Network participants with a summary of the key components of each change, along with details regarding the technical changes to the 2013 Rules language. Because these amendments were approved just prior to publication of the 2013 edition of the NACHA Operating Rules & Guidelines, the material contained in this Supplement is not included within the main body of the publication. To ensure compliance with the most current rules, this Supplement should be used in conjunction with the 2013 Rules.
For more information, please refer to page ORxxxix in the 2013 NACHA Operating Rules & Guidelines.

Supplement 2-2012 (PDF, 147K) March 1, 2012
 

Supplement #1 to the 2012 ACH Rules:

On November 2, 2011, NACHA's Voting Membership approved four amendments to the NACHA Operating Rules ("Rules"): Dishonor of Return Entries; Data Passing; ODFI Return Rate Reporting; and Incomplete Transactions. The Dishonor of Return Entries change, which is a Pain Points - Phase Two issue, will become effective on September 21, 2012. The other amendments fall under Risk Management Topics and will become effective March 15, 2013. This supplement provides ACH Network participants with a summary of the key componenets of each change, along with details regarding the technical changes to the 2012 Rules language. To ensure compliance with the most current rules, this Supplement should be used in conjunction with the 2012 Rules.

Supplement 1-2012 (PDF, 120K) April 27, 2012


2011 Updates

Supplement #3 to the 2011 ACH Rules:
On November 2, 2011, NACHA's Voting Membership approved two amendments to the NACHA Operating Rules ("Rules"): Risk Management Enhancements and Pain Points in the Rules - Phase Two. The effective dates of these changes span from December 1, 2011 through March 16, 2012. Please see each amendment for further information on its effective date.
This supplement provides ACH Network participants with a summary of the key components of each change, along with details regarding the technical changes to the 2011 Rules language. To ensure compliance with the most current rules, this Supplement should be used in conjunction with the 2011 Rules.

Supplement 3-2011 (PDF, 295K) December 16, 2011

 

 Supplement #2 to the 2011 ACH Rules:
NACHA has issued a correction to the version of Supplement #2-2010 that is included within the print and CD editions of the 2011 NACHA Operating Rules and Guidelines.  Please include this with your 2011 edition of the ACH Rules to ensure that your rulebook is up to date. This information will also be available under the supplement tab in the ACH Rules Online. To ensure compliance with the most current rules, this supplement should be used in tandem with the 2011 Rules.

Supplement 2-2011 (PDF, 116K) March 3, 2011

 

Supplement #1 to the 2011 ACH Rules:
On December 20, 2010, NACHA's Voting Membership approved seven amendments to the NACHA Operating Rules ("Rules"):

  • Rules Compliance Audits for Third-Party Senders;
  • Elimination of Obsolete Language Regarding Days on Which Institution or Facility is Closed;
  • Clarification of RDFI's Obligation to Return Credit Entries Returned by Receiver;
  • Clarification of Reasons for Dishonored and Contested Dishonored Returns;
  • Elimination of Obsolete Language Regarding Warranties of Associations;
  • Elimination of Audit Provision Regarding ODFI Requirement to Provide Return Information to Originator; and

Clarification of Requirements for Revocation of Authorization for Single-Entry Authorizations.
The provision regarding revocation language in authorizations for single-entry transactions will become effective on September 16, 2011; the other provisions will become effective on
March 18, 2011.

Supplement 1-2011 (PDF, 411K) February 4, 2011

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