Events Calendar

Webinar: New ACH Meaningful Modernization Rules Effective September 17, 2021
Tuesday, August 10, 2021, 03:00pm - 04:00pm

“Meaningful modernization.” You don’t hear those words every day – especially as they apply to tried and true ACH practices. But there are new consumer authorization processes that are effective September 17, 2021. Now is the time to prepare and update your procedures.


  • Explain the new standards for consumer authorizations
  • Understand the changes to an oral authorization
  • Distinguish when a TEP versus a WEB entry should be used
  • Define a “standing authorization” and a “subsequent entry”
  • Comply with new requirements for Written Statement of Unauthorized Debits


Modernization is coming to the ACH consumer authorization process, effective September 17, 2021. Now is the time to prepare for minimum standards for all consumer debit authorizations, new oral authorization standards, and introduction of a standing authorization into the rules. Even “Alexa” can now be part of an ACH authorization. This session will detail the new changes including:

  • Authorization standards
  • Oral authorizations
  • Standing authorizations
  • Subsequent entries


This informative session is ideal for ACH operations staff, AAP candidates, audit personnel, and compliance staff.


  • Sample consumer authorization
  • Sample written statement of unauthorized debit
  • Employee training log
  • Interactive quiz

SPEAKER:  Michele Barlow, PAR/MACHA

Michele Barlow is the Vice President at PAR/MACHA (Everything Payments, Everywhere), with offices in Wisconsin and Maryland. Before joining the MACHA team in 2009, Michele spent several years as a corporate trainer in the financial industry. She is responsible for development and execution of association training and certification programs, conference planning, and member service. Michele is a past member of NACHA’s Blue Ribbon Panel and currently serves on the APRP Oversight Panel, the Payments Institute Board of Regents, and Nacha’s LMS Editorial Board. She is active on other national committees, and a frequent speaker at industry events. She obtained her AAP certification in 2010, her NCP in 2011, and became an NCP Certified Trainer in 2012. Michele holds a bachelor’s from the University of Wisconsin.