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Payments Pulse

Payments Pulse
The Clearing House
Payments Pulse

Industry News & Resources

Not-So-Common Scams Result in Large Losses

Source: Atlanta FRB

100% Sweet Success for a Group of TCHPA Members!

The testing window for the APRP exam is officially closed, and we are happy to report that one group of eight TCHPA Preppers had enormous success in passing the Exam. In addition to attending the TCHPA prep course, and individual self-study, this group met each week to study together. The result was that the entire group passed the exam and earned their APRP certification!

“Creating a simple study group was an essential part of my journey”, one study group attendee said. Twice a week the group met to discuss the prep series, homework, or various topics to review. “I was motivated and encouraged by the success of the group. I felt relief and excitement that I could do this.”

But study groups are more than what you get out of it, you have to put in the work. One member emphasized the need for accountability saying, “Having a group helps you figure out whether you are on par or need to step it up.” All in all, the group resoundingly agreed “my study group helped me pass!” So, whether you are sitting for the current exam (AAP) or will sit for the NCP, APRP, or AAP next year, we encourage you to connect with your peers in a study group. For this group, it made all the difference! Need help finding others to build your crew? Asks us! We know who they are and can make the introductions.

Nacha Rule Updates

Micro-Entries Phase 1
Effective September 16, 2022, the rule will define and standardize practices and formatting of Micro-Entries, which are used by some ACH Originators as a method of account validation.

Our NEW Webinar! Nacha Rules Update: Micro-Entry, shares the details of Phase 1, effective September 16, 2022, specifying certain file formatting requirements and Phase 2, effective March 17, 2023, which requires Originators to use commercially reasonable fraud detection practices. In this session, we will review the rule in-depth and share best practices for handling Micro-Entry returns.

Our NEW! Micro-Entry Document On Demand is available for members at no cost.

Third-Party Sender Roles and Responsibilities
Effective September 30, 2022 Nacha requires an ODFI identify in Nacha’s Risk Management Portal all Third-Party Senders that allow Nested Third-Party Sender relationships. Identification of TPSs with Nested Third-Party Senders in the Risk Management Portal will follow the same time frame as registering TPS in the Portal. Here are some Enhancements You’ll Find in Nacha’s Risk Management Portal

Our webinar, Nacha Rule Change: Third-Party Sender Roles & Responsibilities, clarifies the rule and addresses the impacts and considerations of Nested Third-Party Senders.

Reminder: Nacha to implement late-night deliveries of ACH files to all RDFIs
Beginning mid-September 2022, the ACH Operators – the Federal Reserve and The Clearing House – will implement additional late-night deliveries of ACH files to all Receiving Depository Financial Institutions (RDFIS). Both ACH Operators will offer similar services regarding the additional 11:30pm ET deliveries of ACH files. For additional information and details, please see the Nacha Operating Bulletin #2 2022

Reminder: Nacha’s COVID-Related Provisions Set to Expire
Effective October 1, 2022, COVID-Related Relief from certain Nacha Operating Rule Provisions will expire. A full listing of affected provisions and effective dates is available in Nacha’s ACH Operations Bulletin

Payments Education


BSA/AML Compliance Workshop (Virtual)

Live! September 27, 2022 10:00am-3:00pm

Presenter Nancy Lake, Director of Training with ARC Risk and Compliance and AML-ology, will present this one-day virtual workshop via live webinar. This course was developed for those who have responsibility for their financial institution’s (FIs) Bank Secrecy Act / Anti-Money Laundering programs. Learn about the latest updates from FinCEN and important news that impacts your financial institution.

Register now!

Agenda (Eastern Time Zone):

  • 10:00am-11:00am – FinCEN/AMLA Updates
  • 11:00am-12:00pm – Terrorist Financing Through the Lens of Afghanistan
  • 12:00pm-1:00pm – Break for Lunch
  • 1:00pm-2:00pm – BSA Updates on various topics including Cyber, Payments, Fraud, Virtual Currency, and more!
  • 2:00pm-3:00pm – Lessons from BSA/OFAC Consent Orders

Payments Risk Fundamentals

Now on-demand

Gain an understanding of the five main types of risk, and take an in-depth look at Credit, Fraud, and Operational Risk as it applies to ACH, Cards, Checks, and Wires. Learn best practices for identifying and managing risk as well as commonly used terminology.

Register now

* Hotel room block expires on Friday, September 24th - be sure to reserve your room today!

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

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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115 Business Park Dr.
Winston-Salem, NC 27107
United States

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