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CM: Enhancement Request to Implement The Nacha Operating Rules Changes For ACH Entries (Doc ID 2664340.1)

Last updated on FEBRUARY 21, 2023

Applies to:

PeopleSoft Enterprise FIN Cash Management - Version 9.2 and later
Information in this document applies to any platform.


Is there a plan to handle Nacha Operating Rules changes for ACH entries.


This Rule modifies the following areas of the Nacha Operating Rules:
Article One, Section 1.6 (Security Requirements) to require each Non-Consumer Originator that is not a Participating DFI, each Third-Party Service Provider, and each Third-Party Sender, whose ACH Origination or Transmission volume exceeds 6 million Entries annually to protect DFI Account Numbers used in the initiation of Entries by rendering them unreadable when stored electronically.

Effective Dates:
Phase 1 – June 30, 2020 for Originators and Third-Parties with ACH volume greater than 6 million in 2019
Phase 2 – June 30, 2021 for Originators and Third-Parties with ACH volume greater than 2 million in 2020
Potential Impacts:
Implementation for those Originators and Third-Parties that currently would not be compliant
For ODFIs, informing Originators of their direct compliance obligations


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