Table of Contents:

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)

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Member: $50.00

Nonmember: $100.00

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

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

Member: $50.00

Nonmember: $90.00

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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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

Special Offers:

Compliance Manual and 2008 ACH Rules

Member: $68.00

Nonmember: $130.00

Special Offers:

Risk Management Handbook and 2008 ACH Rules

Member: $58.00

Nonmember: $105.00

Special Offers:

Compliance Manual, Risk Management Handbook, and 2008 ACH Rules

Member: $100.00

Nonmember: $190.00

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

Origination Agreements

New auditing standards now require that each financial institution review its origination agreements at least once a year to comply with ACH Network rules and regulations. These sample agreements assist your organization in defining the responsibilities of originators and third-party processors for funds availability, receiver identification for authorizations, reversals/erroneous entries, security standards, pre-notes, record retention, NOCs response deadlines, risk exposure, timely compliance to new rules changes, etc. Available on CD or disk.

CD Disk
Member: $50.00

Nonmember: $100.00

Floppy Disk
Member: $50.00

Nonmember: $100.00

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

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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ODFI Risk Management Guide

This booklet is designed to give an overview of the different types of ACH Risk, as well as providing information for preparing a risk policy, procedures, and controls for managing ACH Risk. Specifics on risk relating to WEB, TEL and Check Conversion entries (including BOC) are covered in this complete guide. Sample forms are provided as prototypes for your needs. ODFI Risk Management checklist will assist you in determining your compliance position. (UMACHA) (2007)
(544) $15.00 Member/$28.00 Nonmember

Member: $15.00

Nonmember: $28.00

Self-Audit Survival Guide for ACH Rule Compliance

A working document to assist your financial institution when conducting and completing the internal examination required for compliance with the NACHA ACH Operating Rules, Appendix Eight, Rule Compliance Audit Requirements. (WesPay) (2007).

Member: $50.00

Nonmember: $125.00

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ACH Return Entry Survival Guide

Provides a clear understanding of the ACH Operating Rules return entry rights, responsibilities, and processes for all participants. Specific sections address rule requirements and time frames for all types of returns. Adjustment entries and "stopping payment" are fully defined with common examples of each situation. Contains an annotated listing of all return codes plus sample Written Statement Under Penalty of Perjury and stop payment form. (WesPay) (2007)

Member: $50.00

Nonmember: $125.00

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ACH Audit Workbook – Updated for 2008

For 2008, MPX is again offering the ACH Audit Workbook on CD and including the 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. 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. Copyrights to the electronic version of the workbook restrict certain user manipulations, while permitting completion of the audit in an easy and efficient manner. (MPX) (2008)
(585) $95.00 Member/$190.00 Nonmember

Member: $95.00

Nonmember: $190.00

Customer Service representatives handling ACH entries no longer need to feel cumbersome when customers question transactions on their statements. Any unauthorized or erroneous entries can be returned efficiently with this form's easy-to-understand format, which includes a description of authorization revocation as well as the definitions of unauthorized and improper debits. The two part form also notes the most commonly used ACH return reason code for each circumstance and includes verbiage for RCK entries.

Each order contains 50.

Member: $17.00

Nonmember: $34.00

Spanish Editions
Member: $17.00

Nonmember: $34.00

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)

Member: $45.00

Nonmember: $75.00

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

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Nonmember: $65.00

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

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

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. Content of the workbook mirrors the recently released OCC ACH Risk Management Guidance and will prove invaluable as you identify strengths and weaknesses in your existing 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) (2007)
(662) $125.00 Member/$250.00 Nonmember

Member:  $125.00

Nonmember: $250.00

ACH Audit File 2008

This comprehensive ACH Audit File with tabbed sections makes your required annual ACH Audit easier to complete. This working document walks you through your ACH Audit step-by-step with worksheets that include tips for each specific compliance area. Each Audit File comes complete with a CD (in WORD and EXCEL formats) that contains samples of: the Audit Policy and Report, EFT Error Resolution & Investigation form, and a UCC4A Disclosure & Primer. Complete Appendix 8 is included with ACH Rule References for each audit requirement. (UMACHA) (2008)
(667) $60.00 Member/$90.00 Nonmember

Member:  $60.00

Nonmember: $90.00