NACHA Request for Information: Addenda Records

Executive Summary


•  NACHA – The Electronic Payments Association’s has issued a Request for Information (RFI) to seek information on the possible expansion of the number and types of addenda records available for use with automated clearing house (ACH) payments.

•  Based on feedback received, NACHA may develop specific proposals to amend the NACHA Rules.

•  NACHA is primarily interested in four topic areas:

     1) Expanding the allowed number of addenda records to nine for all Standard Entry Class (SEC) Codes that currently are limited to zero or one addenda record;

     2) Increasing the number of addenda records for CTX (and perhaps ENR and TRX) transactions to a number larger than 9,999, or remove the limitation entirely;

     3) Creating additional addenda type codes to provide depository institutions with more information regarding the information they are receiving, such as free text, URL, XML, etc.; and

     4) Establishing service-level requirements for receiving depository financial institutions (RDFIs) to provide the payment-related information in addenda records to their consumer receivers.

•  CUNA is interested in how these addenda record topics may affect credit union operations and compliance on the ACH network.

•  Comments for the request for information are due to NACHA by May 16, 2014; please submit your comments to CUNA by May 5, 2014.

•  If you have any questions or comments, please contact CUNA Assistant General Counsel for Regulatory Research Dennis Tsang at

•  For additional background, please visit NACHA’s comment page, this RFI ; and a presentation on these topics

1. Does your credit union have any comments or information regarding these four addenda record topics from the NACHA request for information?
2. Any other comments or suggestions with addenda records or other related topics on ACH transactions?
3. (Optional) What is your credit union's asset size?
4. (Optional) Please provide information about yourself and your credit union.
Thank you for your input and time - CUNA Regulatory Advocacy Team