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Rule UPDATES

The National Automated Clearing House Association (“Nacha”) manages the development, administration, and governance of the ACH Network. The Nacha Operating Rules (“Rules”) provide the legal foundation for the ACH Network.

As the payments landscape changes staying ahead of Rule changes can be daunting, and that’s where we come in. As your trusted ACH Audit partner and member of Nacha’s Affiliate Program, we stay current are current, connected, and involved.

At Optim, we understand that all Rule changes are critical to compliance; however, not every Rule impacts ACH participants equally, so we have mapped out Rule changes since 2018 and their level of impact on our business participants.

Effective Date Nacha Operating Rule Change High Med Low Business Impact*
March 17, 2028
New Return Reason Code (R90) for Sanctions Compliance
September 17, 2027
Increasing the Same Day ACH Dollar Limit to $10 Million 
March 19, 2027
Optional Date of Birth Field for IAT Entries & Non-Bank Foreign Financial Agencies in IAT Entries
January 1, 2027
Registration of IAT Contacts in the ACH Contact Registry
September 18, 2026
Funds Availability Requirements for Non-Same Day ACH Credit Entries  Funds
September 18, 2026
Definition of IAT Entries
June 19, 2026
Credit Push Fraud – Fraud Monitoring (Phase Two)
March 20, 2026
Standardization of Company Entry Description – PAYROLL and PURCHASE
March 20, 2026
Credit Push Fraud – Fraud Monitoring, False Pretense Definition and RDFI Credit Monitoring (Phase One)
October 1, 2024
Risk Management Topics
June 21, 2024
Minor Rule Changes
March 17, 2023
Micro-Entries (Phase 2)
September 30, 2022
Third-Party Roles and Responsibilities
September 16, 2022
Micro-Entries (Phase 1)
June 30, 2022
Supplementing Data Security Requirements
(Phase Two 2 million ACH Entries)
March 18, 2022
Increasing the Same Day ACH Dollar Limit
September 17, 2021
Meaningful Modernization
September 17, 2021
Minor Rule Topics
June 30, 2021
Reversals and Enforcement
June 30, 2021
Limitation on Warranty Claims
June 30, 2021
Supplementing Data Security Requirements (Phase One 6 million)
April 1, 2021
Differentiating Unauthorized Return Reports
March 19, 2021
Expanding Same Day ACH Processing Windows
March 19, 2021
Supplementing Fraud Detection Standards for WEB Debits
July 1, 2020
ACH Contact Registry
March 20, 2020
Increasing Same Day ACH Dollar Limit
September 20, 2019
Providing Faster Funds Availability
June 21, 2019
Return of Questionable Transaction
January 1, 2019
Minor Rule Topics
January 1, 2019
ACH Rules Compliance Audit Requirements
March 16, 2018
Same-Day ACH: Moving Payments Faster (Phase 3)

*The Business Impact Rating is intended for general information and education and should not be considered compliance, legal or regulatory advice. Ratings may differ based on the business entity's unique payments business model, role, and processes.