Accredited ACH Professional (AAP) Practice Exam

Which of the following actions must the Originator take if there is a change in the debit amount of a recurring transaction?

1. Notify the Receiver in 3 calendar days

2. Notify the Receiver in 5 calendar days

3. Notify the Receiver in 10 calendar days

4. No notification is required for small changes

The correct answer is: Notify the Receiver in 10 calendar days

When there is a change in the debit amount of a recurring transaction, the Originator is required to notify the Receiver at least 10 calendar days before the date of the transaction. This is in accordance with NACHA Operating Rules, which stipulate that for any changes to the amount or the date of a recurring transaction, notification must be given in a timely manner to allow the Receiver to prepare for the adjusted debit. Such notification ensures transparency and helps maintain trust in the ACH process, allowing recipients to manage their accounts effectively in light of any changes. The other options suggest shorter notification periods, which do not align with the regulatory requirements for informing the Receiver of a change in transaction amount prior to processing. Additionally, the last option, which states that no notification is required for small changes, is misleading, as the rules mandate notification regardless of the size of the change.