The Rule is intended to improve ACH Network quality by reducing the incidence of ACH debits that are returned as unauthorized. Under this Rule, an ODFI will pay a fee to the RDFI for each ACH debit that is returned as unauthorized (return reason codes R05 reserved, R07 authorization revoked by customer, R10 customer advises not authorized; ineligible, notice not provided, signatures not genuine, or item altered, R29 corporate customer advises not authorized and R51 signature not provided, signature not authentic, item altered, ineligible for conversion). ODFIs will have an economic incentive to improve the quality of the ACH transactions they originate. RDFIs will be compensated for a portion of the costs they bear for handling unauthorized transactions, and will experience reduced costs due to a reduction in unauthorized transactions over time.

The fee is estimated to be between $3.50 – $5.50 per unauthorized entry, and will be reviewed every three years.

This Rule will become effective beginning with applicable return entries that have a Settlement Date of October 3, 2016 (a Monday, and the first banking day of the quarter).  ODFIs in particular should note that fees applied to return entries as of October 3, 2016 would relate to forward entries initiated as early as August 1, 2016.

Credit unions that are ODFIs should work with their Originators, if desired, on implementing systems, tools and processes to reduce returns and thereby minimizing fees they incur.

https://www.nacha.org/rules/improving-ach-network-quality-unauthorized-entry-fee