This article provides summary information of National Automated Clearing House Association (NACHA) requirements and regulations for Automated Clearing House (ACH) authorizations for your review as part of your risk and compliance activities. You can find resource links to purchase the full list of NACHA requirements and regulations at NACHA.org.
Note
The information in this article doesn’t include a comprehensive list of all NACHA requirements and regulations. Ensure that you research and determine all requirements and regulations applicable to your use case using the information available at NACHA.org.
Review the following information:
Rights and Responsibilities of Originating Depository Financial Institutions (ODFIs), Their Originators, and Third-Party Senders, which includes the following sections:
Originator Must Obtain Authorization from Receiver
Debit Entries to Consumer Accounts
Originating Pre-arranged Payment or Deposit (PPD) Entries
Originating Corporate Credit or Debit (CCD) Entries
Originating Telephone Initiated Entries (TEL) Entries
Originating WEB Entries
ACH WEB (eCheck) Fact Sheet
ACH PPD and TEL Fact Sheets and Authorization Scripts