Table of Contents:

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

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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

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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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

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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

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)

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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 2009 ACH Rules

Member: $68.00

Nonmember: $130.00

Special Offers:

Risk Management Handbook and 2009 ACH Rules

Member: $58.00

Nonmember: $105.00

Special Offers:

Compliance Manual, Risk Management Handbook, and 2009 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

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

CD Disk
Member: $50.00

Nonmember: $100.00

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

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Nonmember: $130.00

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

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

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Nonmember: $130.00

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)

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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

Member: $15.00

Nonmember: $28.00

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

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.

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Spanish Editions
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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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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. 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

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

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

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

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