The rules represent workable solutions that can be implemented by financial institutions.

The ACH Network Risk and Enforcement Rule improves NACHA's ability to identify and enforce the rules against outlier originators and establishes an inquiry process that allows NACHA to research the facts behind an originator's ACH activity, NACHA said.

The rule targets originators that may be responsible for the highest and most disproportionate levels of exceptions and returns, which impose costs on receiving depository financial institutions and can impact their customers, according to NACHA.

The rule also lowers the existing return threshold for unauthorized transactions, and expands NACHA's authority to enforce the rules related to unauthorized transactions, the association said.

In addition, the rule defines permissible practices for use of the ACH network to collect transactions returned for insufficient funds and other reasons.

Standard information required to be included in a reinitiated transaction will better enable financial institutions' stop payment systems to work efficiently, according to NACHA.

The ACH Network Quality Rule defines the methodology for establishing an unauthorized entry fee to be paid by an originating depository financial institution to a RDFI for the return of an unauthorized transaction, NACHA said.

An unauthorized entry fee will provide an incentive for ODFIs to implement processes and tools with their originators that reduce the number of unauthorized transactions and provide partial cost recovery to RDFIs for their costs in handling unauthorized transactions, the association said.

In preparation for implementation of these rules, NACHA said it will provide education and resources to help ACH network participants better understand the impact of the rules.