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’s Healthcare Resource Site, 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.