PaymentsFirst – Double Booked: When Nacha and Reg E Don’t Agree

When it comes to handling ACH disputes and unauthorized transactions, financial institutions often find themselves caught between two sets of rules: the Nacha Operating Rules and Regulation E. While both are designed to protect consumers and guide financial institutions, they do not always align. This session breaks down the differences and overlaps between Nacha and Reg E, giving you the knowledge to navigate those situations and apply the right rule at the right time.

Topics include:

• The purpose of Nacha Rules vs. Regulation E
• Timelines for consumer claims and financial institution responses
• RDFI responsibilities under Nacha vs. Reg E
• When to apply which Rule
• Real-world examples to clarify common areas of confusion