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Payments Pulse

Payments Pulse
The Clearing House
Payments Pulse

Industry News & Resources

Remittance Rule FAQs related to the COVID19 Pandemic (Regulation E)

Source: Consumer Financial Protection Bureau (CFPB)

Begin Adding Updates to the ACH Contact Registry July 1

Source: Nacha

Paychex Sends $4.6 Million in Real-Time Payments Over Two Weeks

Source: TCH Blog

Stimulus Payments and Some Troubling Views from the New York Times

Source: BPI

We Get Questions...

Q and A
Q.)   Our account holder noticed several deposits (ACH credits) from MISC PAY APA TREAS 310 on their account statement and they are not sure why they are receiving them. We’ve looked for a phone number for the ODFI in the Fed’s e-Payments Routing Directory, but nothing comes up. Where can I find contact information for these transactions?
A.)   Treasury routing numbers are not included in the Fed directory. Instead, you (the RDFI) can call Treasury’s Payment Management Call Center if the account holder believes they may be entitled to the funds. That number is (855) 868-0151 and is intended for use by financial institutions when looking for information related to Federal payments, including Social Security, VA, Railroad Retirement, etc. Otherwise, you can return the transactions using the R23 return code (Credit Entry Refused by Receiver). This will prompt Treasury to review the original authorization and make corrections.
Have a question for TCHPA? Call 800-875-2242 (choose option 3) or email

ACH Rules Product Survey

A current survey, developed by Nacha and the Center for Payments (including TCHPA), is asking members to provide answers to questions about your use and preferences relating to the ACH Rules products (books, online access codes and digital apps). This short, 9-question anonymous survey typically takes only 1 minute to complete.
Your responses will be helpful to our team as we plan for TCHPA’s annual pre-production sale of the 2021 ACH Rules products as well as pricing and order fulfillment in the future. PLEASE take a moment to provide feedback.

Nominations Open for 2020
Lakin-Hobday Award

Do you know someone who enthusiastically embraces their payments career and deserves to be recognized for their efforts? The Lakin-Hobday Award recognizes the extraordinary contributions and characteristics of successful payments professionals and the first recipients of the prestigious award were none other than its namesakes. Linda Lakin (now retired from Comerica Bank) and Donna Hobday (Century Bank & Trust) proved time and again that they possess the qualities associated with the payments excellence award by volunteering to serve on committees and workgroups (at the local and national level), supporting and mentoring their peers, and continually lending their time and expertise when asked to participate in events beyond the walls of their regular work world.

Members of The Clearing House Payments Authority are invited to nominate individuals who possess the qualities associated with this award by sending an email to and including 'Lakin-Hobday Nomination' in the subject line. Tell us why you think your nominee deserves to win and provide examples of their commitment to the payments industry, influence, leadership and volunteerism.

The deadline to submit nominations is Friday, August 7, 2020. This year’s winner will be announced in October.

2020 AAP Exam Prep Webinar Series

Thursdays, July 16 - August 27, 2020
2:00-4:00pm ET

Register Now (serious candidates only)
The Accredited ACH Professional (AAP) designation is designed to recognize and build ACH expertise among payments professionals. Once you’ve made the decision to sit for the 2020 AAP Exam, registering for this 7-week webinar series is your next step! This multi-session series of interactive webinars, exercises and quizzes will help you prepare to sit for the 2020 AAP Exam (testing window is October 5 - 24, 2020). Pre-course work, additional reading and homework exercises required.
Prerequisites: *The AAP Exam Prep Webinar Series is intended for those serious about sitting for the exam in 2020. This course provides the high-level direction and training that candidates need to pass the exam. Those looking for in-depth training on the ACH Rules should consider RDFI Boot Camp, Payments University or individual topic-specific training. See TCHPA’s Payments Education pages for additional details.

Concepts 2020 – Change of Plans

Like so many in-person events this year, Concept 2020 has been impacted by the COVID-19 pandemic. Putting the safety of attendees, speakers and exhibitors first, we do not believe a face-to-face event is in anyone’s best interest. With this in mind, we have decided to cancel the previously scheduled conference in its original format. Instead, we will deliver Concepts as a virtual event, with all sessions presented via live, interactive webinars on the same scheduled dates – Thursday, October 22nd and Friday, October 23rd.

We are busy working through the best practices of virtual events and plan to impress!

Register today!

Upcoming TCHPA Education No charge for members!

Scheduled Sessions:


AAP/APRP Alliance Virtual Meeting


Check Pain Points and Common Questions


Wire Operational Considerations


2020 AAP Exam Prep Webinar Series

On-Demand Recorded Training:

  • Payments University: A Virtual Experience Just Added!
    Recorded in May of 2020, this 17- session series includes topics in ACH, card, check, wire transfer, RTP and more for novice and seasoned payments professionals alike.

Real-Time Payments

The RTP® network - What's in it for you?

RTP Rules Interpretation
Consumer Payments and Receiver Names
Issued May 1, 2020

What’s in Demand When it Comes to RTP
Payments Nerds Podcast with Jesse Honigberg and Matt Brazda

Member Support

Remember, when you need support from The Clearing House Payments Authority (TCHPA), you can reach our Member Services staff directly by calling 800-875-2242 and choosing option 3, or by emailing Although our staff is working remotely due to the COVID-19 pandemic, we’re still available to provide the support you need in a timely manner!

Professionals in every trade have an association they rely on for industry expertise, support and resources. We're the Association for Payments People.

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