Overview
NACHA (National Automated Clearing House Association) is the rule-making body that governs the ACH (Automated Clearing House) network in the United States. The ACH network moves money and data between bank accounts for payroll, bill pay, tax refunds, and B2B payments. NACHA writes and maintains the NACHA Operating Rules, which all ACH participants must follow. The Federal Reserve (FedACH) and The Clearing House (EPN) operate the ACH infrastructure; NACHA does not move funds but sets the standards that enable interoperability.
Scope & Coverage
Key Requirements
Implementation Timeline
Official Documents & Resources
Key Notes
NACHA is a non-profit association; the ACH network is operated by the Federal Reserve and The Clearing House. Same Day ACH (2016) allows same-day settlement up to $1 million. Many open banking and pay-by-bank flows in the US use ACH for account-to-account transfers.
Official Resources
Related Regulations
Other open banking frameworks in North America:
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