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FedACH^® International ACH Transaction (IAT) Resource Center

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This resource center will help your institution and its customers learn more about International ACH Transaction (IAT). The following information is designed for general use in navigating the IAT standard entry class (SEC) code in relation to your financial institution’s ACH processing activity.

We will continue to add information regarding your institution’s requirements for ACH processing under IAT, so please continue to check back frequently for the latest news and updates. For your convenience, add the resource center to your My Quick Links section.

• What is IAT?
• What will change with IAT?

All U.S. financial institutions are affected by the new NACHA rule requirements for IAT, even those that do not currently send or receive international ACH transactions as any financial institution may potentially receive an IAT entry. Please choose the description that best fits your organization to learn how IAT will impact your institution:

• I am a depository financial institution that will only receive international ACH transactions (RDFI)
• I am a depository financial institution that is currently or considering originating international ACH transactions (ODFI and RDFI)
• I am an ACH software supplier or service provider

Training Resources

To learn more, listen below to a three part presentation on "Understanding New Requirements in the ACH Network: International ACH Transaction IAT," presented by Elena Whisler and John Morris from the Retail Payments Office at the Federal Reserve Bank of Atlanta. The information is provided in an audio format with corresponding slides for each section. To help you follow along, we recommend you first download and save the presentation slides to your computer prior to launching the audio format.

• Understanding New Requirements in the ACH Network: International ACH Transaction IAT: Overview (Part 1)
  • Overview Presentation Slides (pdf)
  • Overview Audio (mp3) (Duration: 12:06 minutes)
• Understanding New Requirements in the ACH Network: International ACH Transaction IAT: Rule Changes and Compliance (Part 2)
  • Rule Changes and Compliance Presentation Slides (pdf)
  • Rule Changes and Compliance Audio (mp3) (Duration: 12:36 minutes)
• Understanding New Requirements in the ACH Network: International ACH Transaction IAT: Format Changes and Implementation (Part 3)
  • Format Changes and Implementation Presentation Slides (pdf)
  • Format Changes and Implementation Audio (mp3) (Duration: 13:15 minutes)

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