NACHA – The Electronic Payments Association is the Standards Development Organization (SDO) that maintains the ACH Corporate Credit or Debit with Addenda Record (CCD+) standard format. NACHA develops rules, published in the NACHA Operating Rules & Guidelines, which govern electronic transmissions conducted through the ACH Network. The HHS Final Rule adopting the Healthcare EFT Standards (CCD+ and X12 v5010 835 TR3 TRN Segment) adopts the implementation specifications in the NACHA Operating Rules & Guidelines as the HIPAA-mandated standard for the CCD+.
NOTE: NACHA updates its operating rules and guidelines every year with a new version for use by financial institutions. Per CMS, any version of the NACHA Operating Rules & Guidelines can be used as long as the implementation specifications for the CCD+ do not differ from those in the 2011 version. (See CMS FAQ #6353)