Accredited ACH Professional (AAP) Practice Exam

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Prepare for the Accredited ACH Professional (AAP) Exam with tailored questions and study materials to enhance your understanding of ACH transactions and operations. Test your skills and readiness for this important certification!

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How many banking days does the Originator have to respond to a Request for Change (NOC) after receiving it?

1 banking day
2 banking days
4 banking days
6 banking days prior

The correct answer is: 6 banking days prior

The correct answer indicates that the Originator has 6 banking days to respond to a Request for Change (NOC) after receiving it. This timeline is established under the guidelines of the National Automated Clearing House Association (NACHA) rules, which govern the ACH (Automated Clearing House) network. Responding within this timeframe is critical because it allows for timely updates and corrections related to the payment system. A 6 banking day window ensures that the Originator has enough time to evaluate the request, address any necessary changes, and communicate back to the RDFI (Receiving Depository Financial Institution). Timely responses help maintain the integrity of the ACH process, ensuring that all parties involved have accurate information and can make the necessary adjustments to their records or transactional processes. Overall, adhering to this period fosters trust and reliability within the ACH network.