Automated Clearing House Activities - Risk Management Guidance

GuidanceOffice of the Comptroller of the Currency (OCC)Risk Management

This bulletin provides guidance for national banks and examiners on managing the risks of automated clearing house (ACH) activity. National banks may be exposed to a variety of risks when originating, receiving, or processing ACH transactions, or outsourcing these activities to a third party. This bulletin outlines the key components of an effective ACH risk management program. Each bank should use this guidance to develop an ACH risk management program that reflects the nature and complexity of the bank's activities.

This bulletin supplements guidance on ACH activities contained in the FFIEC IT Examination Handbook on Retail Payment Systems,[1] dated March 2004, and National Automated Clearinghouse Operating Rules[2] and replaces OCC Bulletin 2002-2 (ACH Transactions Involving the Internet).

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