Account Validation

ACH Security Framework

Bureau of the Fiscal Services (Formerly FMS) of the U.S. Dept. of Treasury

Calculating Return Rate Infographic

Direct Access Registration

ECCHO Rule 9 Forged Counterfeit Check Warranties

REG E Electronic Fund Transfer Act

Federal Financial Institutions Examination Council (FFIEC)

• FFIEC IT Examination Handbook Infobase

• IT Booklets

• Retail Payment Systems

• Remote Deposit Capture

• FFIEC RDC Risk Management Guidance

Federal Government Payments

• GreenBook: Guide to Federal ACH Payments

• Garnishments of Accounts Containing Federal Government Benefit Payments (See Garnishments)

Garnishments

• The Greenbook

  • Garnishment of Federal Benefits

• Office of the Comptroller of the Currency

  • Comptroller’s Handbook: Garnishment of Accounts Containing Federal Benefit Payments and Garnishment of Accounts Worksheet

• Department of the Treasury Financial Management Service

  • Guidelines for Garnishment of Accounts Containing Federal Benefit Payments

  • Quick Reference ACH Batch Header Record Descriptions and Garnishment Exempt Identifiers

• Social Security Law – Consent to Support Enforcement

  • 42 U.S.C. 659 - Moneys Subject to Process.—(1)(A)(ii)(V)

• U.S. Department of Health & Human Services FAQs

  • Income Withholding and Medical Support for Department of Veterans Affair Benefits

  • Garnishment of Supplemental Security Income Benefits

Office of Foreign Assets Control (OFAC)

• OFAC Hit/Match Instructions

• OFAC Policy Sample

Office of the Comptroller of the Currency (OCC)

Reclamations

• Corporate Reclamations

• Government Reclamations (GreenBook)

• Fiscal Service Gold Book: Check Reclamation Guide

Regulation CC - Availability of Funds and Collection of Checks

Regulation D - Reserve Requirements of Depository Institutions

Regulation DD - Truth in Savings (Repealed effective June 30, 2014)

Regulation E - Electronic Funds Transfers

Regulation GG - Prohibition on Funding of Unlawful Internet Gambling

• Unlawful Internet Gambling Enforcement Act ACH Policy Sample

Remote Deposit Capture (RDC)

• RDC Check Destruction Tracking Log

• Sample RDC Cost Matrix

•  Sample Request for Proposal RFP Image Exchange & RDC Hardware-Scanner Fulfillment

•  Sample Request for Proposal RFP Image Exchange & RDC Software

Risk Assessment

• FFIEC Cybersecurity Assessment Tool

UCC 4A

• UCC4A

• UCC 4A Disclosures

• UCC4A Primer and Sample Disclosures

Written Statement of Unauthorized Debit (WSUD)

• Written Statement of Unauthorized Debit
  This version of the WSUD does not include Return Reason Codes. (2020)

• Written Statement of Unauthorized Debit With Return Reason Codes
  This version of the WSUD includes Return Reason Codes and is effective as of April 1, 2020 (includes the repurposed Return Reason Code, R11). (2020)

• Written Statement of Unauthorized Debit With Return Reason Codes and Notary
  This version of the WSUD includes Return Reason Codes and a notary.  It is effective as of April 1, 2020 (includes the repurposed Return Reason Code, R11). (2020)

Corporate Account Takeover (CATO)

• NACHA Board of Directors Policy Statement on the Importance of Sound Business Practices to Mitigate Corporate Account Takeover (2010)

• NACHA's Account Takeover Resource Center

• NACHA Board of Directors Policy Statement on Use of a Terminated Originator Database

Data Breach

• Reporting to NACHA

• Data Breach Response Guide

Bank Customer's Guide to Cybersecurity

Financial & Retailers Protection Association (FRPA)

Fraud Resources

• Equifax

• Experian

• Federal Bureau of Investigation

• Federal Trade Commission Complaint Assistant

• Financial Services Information Sharing and Analysis Center (FS-ISAC)

• Financial & Retailers Protection Association (FRPA)

• Fraud Examples

• Internet Crime Complaint Center (IC3)

• Internet Phishing Report Center (Anti-Phishing Working Group)

• National Consumer League's Fraud Center

• Phishing Brochure 

• Phishing & Identity Theft

Income Tax Refund Returns

• IIRS Refund Information Guidelines for the Tax Preparation Community 2018

• IRS Tax Refund Fraud Mitigation Tool - External Leads Program

• Income Tax Refund Scenarios (2019)

• WI DOR OPT-In Program

Accredited ACH Professional (AAP)

Accredited Payments Risk Professional (APRP)

• Filing Continuing Education Credits (AAP and APRP)

ACH Rules

• ACH Rules Online

• NACHA Rules Updates

• NACHA Operating Rules Supplements

• NACHA Requests for Information

• NACHA Requests for Comment

• NACHA Proposed Ballots

• ACH Operations Bulletins

ACH Statistics

Agreements

America Saves

Direct Deposit

Direct Access Registration

Electronic Check Clearing House Organization (ECCHO)

ElectronicPayments.org

FedACH Services

Federal Reserve Bank of Minneapolis

Federal Trade Commission (FTC)

Health Care Payments Resources (NACHA)

Improving ACH Network Quality

International ACH Transactions (IAT)

• Federal Reserve IAT Resource Center

• NACHA International ACH Transactions (IAT) Solutions Center

Letter of Indemnity/Indemnification Letter (LOI)

MDC Code (NACHA Merchant Discount Code)

MN AFP - Minnesota Association for Financial Professionals

National Automated Clearing House Association (NACHA)

NACHA Rules

National Credit Union Administration (NCUA) 

National System of Fines Supporting Documentation Quick Reference

NCUA Payments Clearing & Settlement Service Guidance

Request for Comment (ACH Quality and Risk Management and ACH Rules Compliance Audit Requirements)

Request for Comment (ACH Message Entries)

Request for Comment (Same Day ACH Expansion)

Requests for Comment (ACH Rule Making Process)

Requests for Information (ACH Rule Making Process)

Rules Updates

Same Day ACH Matrix: Preparing for Phase 3

Federal Reserve Bank Same Day ACH Resource Center

Small Business Payments Toolkit

Stop Payments

• Stop Payment and Reg E Q&A

• Instructions for the Stop Payment Order Form

• Stop Payment Request Order Form

Tax Refunds (See Income Tax Refund Returns)

TEL

• Why Adopt TEL

• What Not To Do with TEL ACH Debits

Terminated Originator Database

Third-Party Sender Identification Tool