The National System of Fines is the rules enforcement mechanism for the ACH Network, helping to ensure compliance with the Nacha Operating Rules through a formal system of warnings and fines. Its objective is to maintain the quality of the ACH Network through more complete compliance with the Nacha Operating Rules.

Nacha has recently updated their System of Fines Case Studies document, which provides examples of actual cases processed by the National System of Fines. The names of the parties involved in the cases have been changed for confidentiality purposes. The facts and fines related to the cases are real. As a user of the ACH Network, it’s important to know what can happen if the Nacha Operating Rules are not followed.

Included in the document are case studies that relate to rules violations, arbitration cases, and ODFI return rate reporting cases.

Click Read More below to access the document in our Connections Member Community (member login required).