{"product_id":"the-hidden-risk-of-accepting-ach-for-loan-payments","title":"The Hidden Risk of Accepting ACH for Loan Payments","description":"\u003cp class=\"x_MsoNormal\"\u003e\u003cspan\u003eHere's the scenario nobody budgets for: a borrower makes three months of loan payments by ACH, then files a Written Statement of Unauthorized Debit and the payments come back. The money is gone, Nacha offers no appeal against a properly supported return, and your loan is suddenly delinquent. If your institution originated the debit, you also warranted it was authorized — and the RDFI has two years to hold you to that promise.\u003c\/span\u003e\u003cspan\u003e \u003c\/span\u003e\u003cspan\u003eThis fast-moving course shows you where ACH loan-payment risk actually lives and how to get ahead of it: the authorization mistakes made at loan closing that surface months later as R10s, the difference between a return you must absorb and one you can dishonor within 5 banking days, the 10-day deadline to produce proof of authorization, and the return-rate thresholds that can put your entire origination program under Nacha scrutiny. You'll leave with a concrete playbook your lending, collections, and ACH teams can run the day a return hits.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"x_MsoNormal\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003cspan style=\"text-decoration: underline;\"\u003e\u003cb\u003eTopics covered in this course\u003c\/b\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cul type=\"disc\"\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003eWhy Posted Never Means Final: The 60-Day Unauthorized Return Window\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003eAuthorization Mistakes Made at Loan Closing\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003eR10 vs. R11: Fight the Return or Fix the Authorization\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003eThe 5-Banking-Day Dishonor Window and the 2-Day RDFI Contest\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003eThe ODFI Warranty Trap: Proof, Exposure, and Records\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003eCollecting on the Surviving Debt\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003eReturn-Rate Math and the 0.5% Unauthorized Threshold\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cspan style=\"text-decoration: underline;\"\u003e\u003cb style=\"font-family: -apple-system, BlinkMacSystemFont, 'San Francisco', 'Segoe UI', Roboto, 'Helvetica Neue', sans-serif; font-size: 0.875rem;\"\u003eWho Should Attend\u003c\/b\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cul type=\"disc\"\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003eLenders\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003eCollections and recovery teams\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003eACH\/payments operations\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003eBSA and compliance officers\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003eRisk managers\u003c\/li\u003e\n\u003cli class=\"x_MsoListParagraph\"\u003e\u003cspan\u003eInternal auditors at banks and credit unions of all sizes\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"BankersHub","offers":[{"title":"Default Title","offer_id":47286462349487,"sku":"LIC0930261","price":299.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0646\/2894\/9167\/files\/TheHiddenRiskofAcceptingACHforLoanPayments.png?v=1785528306","url":"https:\/\/www.bankershub.com\/products\/the-hidden-risk-of-accepting-ach-for-loan-payments","provider":"BankersHub","version":"1.0","type":"link"}