The Nacha Operating Rules are the foundation for every ACH payment. By defining the roles and responsibilities of financial institutions and establishing clear guidelines for each Network participant, the Rules ensure that millions of payments occur smoothly and easily each day. All Rules are displayed by effective date.
These Rule amendments become effective on Oct 1, 2024 and are part of a larger Risk Management package intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after frauds have occurred.
These Rule amendments related to monitoring for fraud become effective on March 20, 2026 and are part of a larger Risk Management package intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after frauds have occurred.
June 19, 2026These Rule amendments related to monitoring for fraud become effective on June 19, 2026 and are part of a larger Risk Management package intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after frauds have occurred. NOTE: As June 19 is a federal holiday, the practical effective date for these two rules will be the next banking day – Monday, June 22, 2026. All affected parties are encouraged to become compliant with these rules as soon as possible, but no later than June 22, 2026.
March 20, 2026These two Rule amendments on Company Entry Descriptions become effective on March 20, 2026 and are part of a larger Risk Management package intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after frauds have occurred.
March 20, 2026These Rule amendments related to monitoring for fraud become effective on March 20, 2026 and are part of a larger Risk Management package intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after frauds have occurred.
October 1, 2024These Rule amendments become effective on Oct 1, 2024 and are part of a larger Risk Management package intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after frauds have occurred.
June 21, 2024These changes will amend the Nacha Operating Rules to address a variety of minor issues and will become effective June 21, 2024.
March 17, 2023This Rule will define and standardize practice and formatting of Micro-Entries, which are used by some ACH Originators as a method of account validation. This phase of the Rule requires Originators of Micro-Entries to use commercially reasonable fraud detection, including the monitoring of Micro-Entry forward and return volumes.
September 30, 2022This Rule clarifies the roles and responsibilities of Third-Party Senders (TPS) in the ACH Network by addressing the existing practice of Nested Third-Party Sender relationships, and making explicit and clarifying the requirement that a TPS conduct a Risk Assessment.
September 16, 2022This Rule will define and standardize practices and formatting of Micro-Entries, which are used by some ACH Originators as a method of account validation.
June 30, 2022This rule supplements previous ACH Security Framework data protection requirements by explicitly requiring large, non-FI Originators, Third-Party Service Providers (TPSPs) and Third-Party Senders (TPSs) to protect deposit account information by rendering it unreadable when it is stored electronically.
March 18, 2022This rule will continue to expand the capabilities of Same Day ACH. Increasing the Same Day ACH dollar limit to $1 million per payment is expected to improve Same Day ACH use cases, and contribute to additional adoption.
September 17, 2021These Rules intend to improve and simplify the ACH user-experience by: Facilitating the adoption of new technologies and channels for the authorization and initiation of ACH payments; Reducing barriers to use of the ACH; Providing clarity and increasing consistency around certain ACH authorization processes; and Reducing certain administrative burdens related to ACH authorizations
September 17, 2021These changes will amend the Nacha Operating Rules (Rules) to address a variety of minor topics related to Meaningful Modernization, an ACH Operator edit and expiration of stop payments on non-consumer accounts.
