---
title: 2024 ACH Rules Update for Corporate Originators and Third-Party Senders
description: Stay updated on the 2024 ACH Rules changes affecting Originators and Third-Party Senders. Learn about upcoming updates and how they impact corporate users.
---

[News & Stories ](https://www.myheartland.bank/blog)

# [2024 ACH Rules Update for Corporate Originators and Third-Party Senders](https://www.myheartland.bank/blog/2024-ach-rules-update-for-corporate-originators-and-third-party-senders-epcor-nacha-prenotifications-r17-code-fraud-monitoring)

 Written by [Heartland Bank](https://www.myheartland.bank/blog/author/heartland-bank) | 6/17/24 8:36 PM

# There are six changes to the *ACH Rules* coming up that impact Originators and Third-Party Senders. Four changes take effect in 2024, while two additional changes become effective in 2026.

# **Why it matters:** It is important for ACH Originators and Third-Party Senders to stay current with the *ACH Rules*, including how updates and changes might impact business practices and operations.

# **Here is a breakdown of upcoming changes and how they apply to corporate users:**

- # **Action on Notification of Change **
  
    - # *Effective Date: June 21, 2024*
    - # Your organization may need to update policies and procedures related to handling Notifications of Change.
- # **Use of Prenotification Entries**
  
    - # *Effective Date: June 21, 2024*
    - # Your organization may need to update policies and procedures related to processing prenotification entries.
- # **Return Reason Code R17 (Entry Initiated Under Questionable Circumstances)**
  
    - # *Effective Date: October 1, 2024*
    - # Educate your staff receiving return information on the meaning of Return Reason Code R17.
    - # Your organization may require procedure changes to include the handling of fraudulent transactions.
- # **Return Reason Code R06 (Return per ODFI’s Request)**
  
    - # *Effective Date: October 1, 2024*
    - # Your organization may require procedural changes related to the recovery of fraudulent entries, including notifying your financial institution immediately upon learning of fraud.
- # **Standard Company Entry Description**
  
    - # *Effective Date: March 20, 2026*
    - # Update systems to utilize required Company Entry Descriptions.
    - # Update procedures for entering Company Entry Descriptions.
    - # Train staff on the new requirement.
- # **Origination Fraud Monitoring**
  
    - # *Phase 1 Effective Date: March 20, 2026*
      
      # Companies originating 6M+ transactions in 2023
    - # *Phase 2 Effective Date: June 19, 2026*
      
          - # All companies regardless of annual origination activity
    - # Your organization may require implementation of, or updates to, risk-based processes and procedures to identify and detect fraudulent transactions.

 

[View full post](https://www.myheartland.bank/blog/2024-ach-rules-update-for-corporate-originators-and-third-party-senders-epcor-nacha-prenotifications-r17-code-fraud-monitoring)

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