Editing ACH Network (section)

==Regulation==
The ACH network is governed by a myriad of rules and regulations mandated by various parties. Firstly, participants are bound by the rules of the [[National Automated Clearinghouse Association]] (Nacha), as well as by the direct regulatory oversight of the [[Federal Reserve Bank]] regulations such as [[Electronic Fund Transfer Act]] and [https://www.frbservices.org/resources/rules-regulations/operating-circulars.html Operating Circular] #4. 

Several sections of the [[Uniform Commercial Code]] (notably 4 and 4a) also relate to the operation of the automated clearing house.

There also exist rules mandated by the ACH operators that financial institutions are required to follow in order to use those operators.<ref name="piu"/>