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International ACH Transactions (IAT) Survival Guide: Implementation, Best Practices and Technical Specifications
Every RDFI and ODFI will face new regulatory requirements in less than 12 months as the new IAT amendments to the NACHA Operating Rules become effective. As of September 18, 2009, NACHA rules will require every ACH payment entering or exiting the United States to be identified and formatted as an International ACH Transaction (IAT) and EACH transaction must be reviewed for OFAC compliance.
All U.S. financial institutions are affected by this rule, even those that do not currently send or receive international ACH payments as any financial institution may potentially receive an IAT transaction. Every financial institution needs to understand how it is impacted by the new NACHA rule. Penalties for non-compliance with OFAC's regulations can be severe.
Table of Contents
- Overview - IAT Executive Summary
- OFAC Obligations
- FI Responsibilities
- Transaction Type Codes and Secondary SEC Codes
- Guidelines
- Frequently asked questions
- ACH Payment Scenarios
- Technical Standards and Mapping
- Glossary or Terms & Acronyms
- IAT Resources
- IAT Corporate Tool Kit
(472) $40.00 Member/$65.00 Nonmember |
Member:
$40.00
Nonmember: $65.00
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Guidelines to Secure ACH Network Transactions
This publication responds to the current threat environment characterized by the continued growth of data breaches and the need for companies to become ever more vigilant in protecting sensitive customer information. These guidelines provide an overview of the current marketplace and threat landscape, coupled with an analysis and identification of critical information to protect in the ACH transaction lifecycle throughout the debit and credit flow architecture. ACH Network participants will benefit by guidance on how to conduct step-by-step analysis of an ACH transaction flow and from it identify critical points that require data protection/security (e.g., transmission, storage, and use). The guidelines include chapters on how to understand and define data risks, case studies, best practices for mitigating data risk and a section that identifies additional industry resources. The format of this publication is the equivalent to a technology "dashboard" for transaction monitoring in the ACH Network. (2009)
(603) $40.00 Member/$65.00 Nonmember |
Member: $40.00

Nonmember: $65.00
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ODFI Policies on CD
These policies reflect the components of the recently released OCC ACH Risk Management Guidance. The ACH Management Policy addresses both RDFI and ODFI responsibilities for management consideration. Policy Addendum are included that relate to the various components of the guidance and serve to complement the overall ACH Management Policy. Example Addendum include Credit Risk, High-Risk Activities, Compliance Risk, Third-Party Service Providers and Direct Access to the ACH Operator, Transaction Risk and Information Technology. This CD serves as a valuable resource to ensure that you have the appropriate policies and procedures in place to limit your liability. (MPX) (2008)
(673)
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Member: $50.00
 Nonmember: $100.00
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The Regulation E Book Guidelines for ACH Compliance
This book is intended to help you
understand and comply with Regulation E,
as it applies to Automated Clearing
House (ACH) transfers, which reflects
the regulation and official
interpretation of the regulation by the
staff of the Board of Governors of the
Federal Reserve System. This book is not
intended to provide legal advice to your
institution on the application of the
Electronic Funds Transfer Act and
Regulation E. You should consult your
legal counsel on that question, as well
as on any other changes in the
regulation and its interpretation by the
Federal Reserve.
Section II provides key Regulation E/NACHA
terms and definitions and shows the
differences in usage between NACHA and
Regulation E. Section III considers
three different kinds of disclosure
requirements and sets forth procedures
for error resolution. A convenient flow
chart graphically demonstrates this
process. A Guide to Reg E Statement
Requirements is also included in this
section and contains informational
sample statements. Four sample
transactions - two debit and two credit
- are also included.
The substantial liabilities for failing
to make transfers in accordance with the
regulation are detailed in section IV.
Section V is a Q & A format covering
issues that financial institutions and
companies may raise about the
regulation. A concluding section shows
model disclosure clauses that a
financial institution may use to comply
with Regulation E. Text of the EFT Act
of 1978, the regulation and its official
staff interpretations are also included.(WesPay) (2006) |
Member: $50.00
 Nonmember: $125.00
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Reg E in a Box
Do you have the appropriate procedures and documentation in place to effectively comply with Reg E error resolution requirements? Compliance is a necessity for all financial institutions. Reg E in a Box provides everything you need to establish or enhance your Reg E error resolution processes and maintain compliance. (TPA) (2009)
(486) $179.00 Member/$279.00 Nonmember |
Member: $179.00

Nonmember: $279.00
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Risk Management for Internet,
Telephone and Electronic Check ACH
Payments
This new edition is arranged to provide
an overview of the ACH Network and risk
issues involved to those new to the ACH
Network. Subsequent chapters address the
specific risk issues related to
Internet-Initiated Entries (WEB),
Telephone-Initiated Entries (TEL), and
Electronic Check Entries (RCK, POP, ARC,
and BOC) from Originator, ODFI and RDFI
Perspectives. Helpful updated Case
Studies are also included. (2007) |
Member: $40.00
 Nonmember: $60.00
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The ACH Compliance
Manual: How to Comply with ACH Rules & Regulations -
Fifth Edition
Written in a plain English, easy-to-understand,
user-friendly format, the Compliance Manual is designed to help users apply the Rules (including Regulation E, ARC, POP, TEL, WEB and the National System of Fines) and other pertinent
regulations to their organization. Each chapter addresses not only the NACHA Operating Rules, but also Reg E, UCC Article 4A and 31 CFR Parts 203, 210 and 370 as applicable. Helpful
compliance tips are included in each chapter, as well as a resource listing section and a glossary of terms and acronyms. |
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Member: $50.00

Nonmember: $90.00
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ACH Risk Management Handbook,
4th Edition
An updated edition explains the four types of ACH payments
risk, assesses the operational implications, and provides guidelines for developing an effective risk management program. For financial institutions, processors, governments, corporations, and other ACH
participants. (more) |
Member: $40.00
 Nonmember: $65.00
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See More Detail |
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Special Offers:
ACH Risk
Management Handbook, 4th Edition and
Risk Management for Internet, Telephone
and Electronic Check ACH Payments special |
Member: $70.00
 Nonmember: $115.00
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Special Offers:
Compliance Manual and 2009 ACH Rules |
Member: $68.00

Nonmember: $130.00
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Special Offers:
Risk Management Handbook and 2009 ACH Rules |
Member: $58.00
 Nonmember: $105.00
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Special Offers:
Compliance Manual, Risk Management Handbook, and 2009 ACH Rules |
Member: $100.00

Nonmember: $190.00
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Stop Payment Request Form
Stopping a payment on an ACH item never was easier! Analyzing
why and how to place a stop payment on an ACH entry is now clearly spelled out on these new authorization forms. Each form has the time notification requirements and 2001 ACH Rules & Operating
Guidelines references as well as definitions of RCK, POP, TEL, WEB and ARCT entries to facilitate proper completion. The traditional stop payment terms are also included on the form to minimize
paper retention requirements. |
English Editions
Member: $17.00
 Nonmember: $34.00

Spanish Editions
Member: $17.00
 Nonmember: $34.00
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ACH Origination Agreements - NOW UPDATED AND IMPROVED!
These sample documents in Microsoft Word format provide a modifiable NACHA-compliant template for defining the responsibilities of originators and third-party processors for ACH origination. The CD includes a Master Agreement; Third-Party Processor Agreements; Sample ACH Credit Policy; Direct Deposit Authorization Form; Direct Payment Authorization Form; Daily ACH Procedures Checklist; Sample Transmittal Schedule; Federal Reserve Bank Holiday Schedule; Julian Date Calendars (perpetual & leap years); and an ACH Control Log. (EastPay) (2008)
(509) $50.00 Member/$100.00 Nonmember
See below for Special Offer in combination with the Remote Deposit Capture Agreement
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CD Disk Member: $50.00
Nonmember: $100.00 
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Remote Deposit Capture Agreement 
As the financial industry and the marketplace continue to embrace the use of Remote Deposit Capture (RDC), the need for a strong legal agreement is as critical to your success as any other component of this valuable service. This CD contains a customizable Microsoft Word document that addresses the core terms and conditions between your Financial Institution and your customers/members. This agreement covers RDC using Check 21 capabilities, and when combined with our ACH Origination Agreement (see item 509 above), it also covers the use of RDC with the ACH Network. The CD also contains a Remote Deposit Capture Checklist to ensure you've covered your bases in the rollout of this service. (EastPay) (2008)
(521) $65.00 Member/$130.00 Nonmember |
Member: $65.00

Nonmember: $130.00
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Special Offer:
Buy both the ACH Origination Agreements and the Remote Deposit Capture Agreement and save $31!
(522) $99.00 Member/$229.00 Nonmember |
Member: $99.00

Nonmember: $130.00
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Wire Transfer Agreement 
Have you recently examined the merit of your current Wire Transfer agreements, or are you planning to expand this service with your business customers or members? If so, then you'll want to have this newly-created Wire Transfer Agreement to deploy to your Wire Transfer users. This CD contains a modifiable Microsoft Word document that addresses today's concerns for any Financial Institution that offers this service. (EastPay) (2008)
(523) $65.00 Member/$130.00 Nonmember |
Member: $65.00

Nonmember: $130.00
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UCC 4A Disclosures
According to ACH Rules, RDFIs are
required to provide disclosure to their
customers that may receive electronic
"wholesale credit" entries. These
standard UCC 4A disclosures are ideal
for statement inserts, measuring 3" x 7"
and are available in packs of 500. (MPX) |
Member: $15.00
 Nonmember: $30.00
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Revised Uniform Commercial Code
Article 4A and the Automated Clearing House System
New, easy to understand edition. Evaluates the impact of UCC
4A on security procedures and bank/corporate agreements. For financial institutions and corporations that handle ACH wholesale credits. (More) |
Member: $60.00
 Nonmember: $80.00
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See More Detail
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ODFI Risk Management Guide on CD
This new improved guide, now on CD, has been updated to provide more
risk management tools. Meant to be a starting point for managing risk
within the financial institution, this guide provides a sample
origination/risk policy; a risk management checklist; a sample exposure
limit request form and new this year, information to assist in auditing
your originators for compliance with the ACH Rules. (UMACHA) (2009)
(544) $15.00 Member/$28.00 Nonmember
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Member: $15.00
 Nonmember: $28.00
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ACH Audit Workbook – Reformatted and Updated for 2009
The ever popular ACH Audit Workbook and CD has
been reformatted and updated for 2009. This publication
includes not only the CD, but a binder with
copies of all work papers, checklists and sample
policies/reports. The revised ACH Audit Workbook
is designed to assist financial institutions and Third-
Party Service Providers in the completion of the required annual audit of
compliance with the ACH Rules. Included in this complete step-by-step
audit resource is the audit criteria for all participants, worksheets for each
of the criteria, a compliance checklist and sample audit policy and audit
report. An auditor’s checklist & worksheets for all of the expanded audit
criteria are new additions for this year. The loose-leaf binder allows for
easy retention of audit documentation and the documents on CD allow
for electronic completion of worksheets and reports. (MPX) (2009)
(585) $95.00 Member/$190.00 Nonmember |
Member: $95.00
Nonmember: $190.00
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Written Statement Under Penalty of Perjury for Unauthorized/Improper ACH Debit Activity (English or Spanish)
These convenient two-part carbonless forms are an essential tool for financial institution personnel when customers question ACH debit transactions posted to their accounts. Includes thorough descriptions of what constitutes a revocation of authorization, an unauthorized debit, or an improper debit (for BOC, RCK, ARC, and POP entries), along with prompts to operations staff as to the correct return reason codes to use. Now available in Spanish! (EastPay)
(550)
Each order contains 50.
|
Member: $17.00
 Nonmember: $34.00

Spanish Editions
Member: $17.00
 Nonmember: $34.00
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2009 ACH Annual Audit Guide
Created for financial institutions
looking for a convenient way to perform
their annual ACH Audit as required by
the NACHA Operating Rules. This is a
working document that can be completed
and updated as compliance issues are
changed or resolved and includes an
audit checklist, branch questionnaire
and glossary of terms. Copyright - The
Payments Authority. (556)
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Member: $45.00

Nonmember: $75.00

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Third-Party Senders & The ACH Network:
An Implementation Guide
This newest publication from NACHA - The
Electronic Payments Association provides
a review of the variations in legal
requirements and processing obligations
relating to the origination of ACH
entries when a Third-Party Service
Provider, acting as a Third-Party
Sender, is involved in the origination
of transactions through the ACH Network.
Third Party Senders & The ACH Network:
An Implementation Guide is designed
primarily for use by Originators, ODFIs,
and those Third-Party Service Providers
that act in the specific role of
Third-Party Senders as defined by the
NACHA Operating Rules.
Table of Contents
Section One - Introduction
A. Background
B. Organization and Coverage of This
Book
C. Overview of the ACH Network
1. ACH Participants
2. Payment Applications
Section Two - General Concepts
A. Third-Party Service Providers and ACH
Processing
B. Third-Party Service Providers and the
NACHA Operating Rules
C. The Many Roles of the Third-Party
Service Provider
Section Three - Third-Party Senders and
ACH Processing: Understanding the New
Environment
A. Issues for Originating Depository
Financial Institutions (ODFIs)
B. Issues for Third-Party Senders
C. Issues for Originators
Section Four - Frequently Asked
Questions
Section Five - Third-Party Sender Case
Studies
Section Six - Sample Agreements
Section Seven - Understanding the ACH
Network: An ACH Primer
(2005)
(511) $40.00
Member/$65.00 Nonmember |
Member: $40.00
 Nonmember: $65.00
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Written Statement Under Penalty of
Perjury
This convenient form addresses both
unauthorized and improper debits to
consumer accounts for ACH debit entries,
and includes a definition of each. Plus,
it provides the proper return reason
codes to ensure that the entry is
returned properly. The two-part
carbonless form comes in packs of 50 and
is consistent with the ACH Rules. (MPX)
(2006)
(537) Pack of 50 $15 Member/$30
Nonmember |
Member: $15.00
 Nonmember: $30.00
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Risk Glossary
Ongoing education is valuable for your
staff in terms of risk mitigation and
one resource you'll want to have is our
newly developed Risk Glossary. This
comprehensive booklet contains hundreds
of risk terms and definitions, allowing
your staff to learn what is going on in
the financial services industry. If you
don't know the definition of terms like
Razoring, Trapdoor or Ponzi Scheme,
order this resource! (MPX) (2007)
(658) $5.00 Member/$10.00 Nonmember |
Member: $5.00
 Nonmember: $10.00
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ACH Risk Assessment Workbook
The first of its kind, the ACH Risk Assessment
Workbook is designed to assist financial institutions,
both RDFIs and ODFIs, in addressing the
risks associated with their involvement in the ACH
Network. The workbook content is based on the
OCC ACH Risk Management Guidance and will
prove invaluable to identify strengths and weaknesses
in a financial institution's ACH risk management program.
Individual chapters contained in the workbook address Credit
Risk, High-Risk Activities, Compliance Risk, Third-Party Service
Providers and Direct Access to the ACH Operator, Transaction Risk and
Information Technology. Workbook pages are stored in a loose-leaf
binder, allowing you to walk through the risk assessment step-by-step
and store your supporting documentation all in one convenient place.
User friendly worksheets contain questions that are easily answered
Yes/No and include room for comments, along with a designated action
plan that will assist you in developing a comprehensive risk management
program. Compliance officers, audit personnel and operations staff will
find this workbook a resourceful tool. (MPX) (2009)
(662) $90.00 Member/$190.00 Nonmember |
Member:
$90.00

Nonmember: $190.00
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ACH Audit File 2009
This comprehensive ACH Audit File is now on
CD to provide you more assistance and convenience
in completing your ACH Audit. The worksheets
have been updated and include tips for each
specific compliance area. The CD includes: the audit worksheets, sample
audit policies, and an audit report. Additionally we have included for
reference, an EFT Error Resolution & Investigation form and a UCC4A
Disclosure and Primer. For your reference, included is the complete
Appendix 8 language with ACH Rule References for each audit requirement.
(UMACHA) (2009)
(667) $60.00 Member/$90.00 Nonmember |
Member:
$60.00
Nonmember: $90.00
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ACH Audit Guide 2009
The GACHA ACH Audit Guide 2008 identifies who, why, when and how an organization should conduct their Annual ACH Audit. Whether you have an internal or external auditor, this publication is key. The newly created publication guides the auditor through the specific documentation that should be requested during the audit. Definitions of the participants are provided to assist the auditor in identifying the ACH Participant roles that exist. The auditor will understand how to analyze the key requirements within Appendix Eight of the NACHA Operating Rules. Along with the Audit Certification Form, the CD version is included to facilitate the auditor while writing the written report. (GACHA) (2009)
(598) Member $85.00/Nonmember $170.00 |
Member:
$85.00
 Nonmember: $170.00
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ACH Operations Policies and Procedures Manual for RDFIs and ODFIs
More than just a sample document or
fill-in-the-blank, these exciting new
products are interactive and easy-to-use
programs that produce detailed,
customized ACH policies and procedures
manuals based on your answers to
questions about your specific ACH
processing environment. This software
works regardless of the operational
configuration of your financial
institution, and every aspect of ACH
operations is covered. A tailor-made
manual can be produced in less than an
hour! Without this software, you could
spend months developing a policies and
procedures document, and still not be
confident that you have identified and
understood all of your options, or
addressed every circumstance. Both
modules generate a modifiable Microsoft
Word document. On-screen guidance is
provided. Minimum system requirements
are: CD drive; Windows XP with Service
Pack 2; Microsoft Word 2002 or 2003;
Microsoft .NET Framework v. 2.0 or
higher; Microsoft SQL Server Express
Edition. Microsoft .NET Framework and
Microsoft SQL Server Express Edition are
included on the installation CD and will
automatically install with the software
if necessary. (EastPay) (2007)
(533R)RDFI module $499.00
Member/$999.00 Nonmember
(533O)ODFI module $499.00 Member/$999.00
Nonmember
Buy both and save! Buy the RDFI and ODFI
modules together and pay only
(533BT)$799.00 Member/$1,799.00
Nonmember
See below for Additional Special Offer, Minimum System Requirements, and Annual Updates
|
RDFI Module
Member: $499.00
 Nonmember: $999.00

ODFI Module
Member: $499.00
 Nonmember: $999.00
ODFI & RDFI bundle
Member: $799.00
 Nonmember: $1,799.00
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ACH Risk Management Policies and Procedures Manual for RDFIs and ODFIs
The OCC says that the controls needed for an effective ACH risk management program include written policies and procedures. Our exciting new software can help you reduce your risk, satisfy regulators, manage your exposure, and manage the risk of your third-party relationships. This interactive software, which follows the guidelines of 14 different Federal regulations plus the ACH Operating Rules, produces a detailed, customized ACH Risk Management Policies and Procedures Manual based on your answers to questions about your specific ACH processing environment. Your completed manual provides crucial guidance to all impacted departments related to identifying, preventing, and controlling all risks related to originating and receiving ACH transactions. The types of risk covered by your manual will include compliance, credit, fraud, operational, reputational, and systems risk. On-screen guidance and toll-free technical support are available. (EastPay) (2008)
(672) $699.00 Member/$1,399.00 Nonmember
Special Offer:
Buy both modules of the ACH Operations Policies and Procedures software, as well as the ACH Risk Management Policies and Procedures software, and save $299!
(520) $1,398.00 Member/$3,098.00 Nonmember
Minimum System Requirements:
CD drive; Windows XP with Service Pack 2; Microsoft Word 2002 or 2003; Microsoft .NET Framework v 2.0 or higher; and Microsoft SQL Server Express Edition. Microsoft .NET Framework and Microsoft SQL Server Express Edition are included on the CD and will automatically install if necessary.
Annual updates:
Both the ACH Operations Policies and Procedures software and the ACH Risk Management Policies and Procedures software are updated annually to comply with changes to the ACH Operating Rules and other applicable regulations. Valid serial number from purchase of previous version is required. (If two consecutive updates are skipped, repurchase at full price is required.) PLEASE CONTACT EASTPAY DIRECTLY AT 1-800-681-4224 TO PURCHASE UPDATES.
Update One Module (ACH Operations - RDFI or ACH Operations - ODFI or ACH Risk):
$100.00 Member/$200.00 Nonmember
Update Two Modules:
$150.00 Member/$300.00 Nonmember
Update All Three Modules:
$150.00 Member/$300.00 Nonmember |
RDFI Module
Member: $699.00

Nonmember: $1,399.00
ODFI Module
Member: $699.00
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