ACH Rules (NACHA) Explained 2026: Authorization, Returns, SEC Codes & Reg E

Описание: ACH powers direct deposit, online bill pay, autopay, and so much more—but it only works because the ACH Network follows a strict rulebook. In this Jay Get It ACH Series episode, we break down ACH Rules & Regulations (Nacha/NACHA) for 2026 in a practical, easy-to-apply way.

You’ll learn:
✅ Who sets the ACH rules (and how the “rule stack” works)
✅ What authorization REALLY means (and why it’s the #1 compliance issue)
✅ The return timelines that matter (including unauthorized claims)
✅ Why SEC codes (PPD, WEB, TEL, CCD) aren’t “ops stuff”—they’re compliance
✅ How reversals work (and why they’re not a magic undo button)
✅ Key fraud + security controls (including WEB account validation concepts)
✅ Same Day ACH guardrails and what to watch as rules evolve
✅ A simple ACH compliance checklist you can use before sending/accepting entries

If you work in banking, credit unions, fintech, payments ops, payroll, AR/AP, risk, or compliance, this is the ACH breakdown you’ll want saved.

📌 Next in the series: ACH Integration & Implementation — how to set it up and avoid the most common mistakes.
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Disclaimer: This content is for educational purposes only and is not legal, financial, or investment advice. Rules can change and facts matter. Consult qualified professionals and refer to official Nacha resources.

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