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Payments Pulse

Payments Pulse
The Clearing House
Payments Pulse

Industry News & Resources

Supplementing Data Security Rule Phase 2 Effective June 30

Source: Nacha

Crypto Hackers Stealing Record Amounts

Source: PYMNTS

We Get Questions...

Q and A
Q.)  Do the Nacha Operating Rules dictate specific methods in which data at rest must be rendered unreadable under the Supplementing Data Security Rule?
A.)  The Rules are neutral as to the methods/technologies that may be used to render data unreadable while stored at rest electronically. Encryption, truncation, tokenization, destruction, or having the financial institution store, host, or tokenize the account numbers, are among options for Originators and Third-Parties to consider, but each Originator or TPSP will need to make its own business decision in consultation with its legal counsel and technology providers.

Source: Nacha
Have a question for TCHPA? Call 800-875-2242 (choose option 3) or email

The information contained herein has been prepared for general informational purposes only and is not offered as and does not constitute legal advice. You should consult with your legal counsel regarding the legal, regulatory and payments industry rule requirements that apply to specific transaction scenarios.
2020 ACH Rules

National Email Week June 12 - 18th

With billions of emails sent daily worldwide, it’s no wonder scammers use emails. A malicious email often looks like it comes from a known vendor, corporation,

individual, government agency, or even a financial institution, but is disguised to trick the recipient into disclosing personal and financial information, which could cause significant harm if successful. The National Cybersecurity Alliance and the Office of the Comptroller of the Currency have identified ways to protect you and your organization so that you don’t have to be a victim of a phishing scam. Here are some additional resources for you.

National Cybersecurity Alliance: Spam and Phishing
Phishing Attack Prevention: How to Identify and Avoid Phishing Scams

Payments Education

New on-demand webinar: ACH Data Security

This session reviews of the Phase 1 ACH Data Security Requirements rule of 2020 and the Phase 2 rule change (eff. June 30, 2022) that supplements previous data protection requirements. A sample resource for managing an ACH data security self-assessment is included.

Click here to register.

Member Support

TCHPA Fact Sheet

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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Winston-Salem, NC 27107
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