SEC Codes and Authorizations for Originators

This microlearning course explains how Standard Entry Class (SEC) Codes connect to ACH authorization requirements. In less than 20 minutes, you explore how SEC Codes set expectations for all ACH participants, what consumer and non-consumer mandates must include, and how Standing Authorizations and Subsequent Entries change retention requirements. Interactive elements walk you through notice-based authorizations, required mandate content, and the nuances of “two different two years.” By the end, you’ll be equipped with the essentials Originators need to stay compliant under the Nacha Operating Rules.