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