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Ending ACH Origination Relationships

Ending ACH Origination Relationships focuses on how ODFIs terminate ACH origination activity when risk, performance, or alignment with policy changes. Ending a relationship is not a failure of oversight. It is a governance decision that protects the ODFI, the Network, and other participants.

This course explains the circumstances that lead to offboarding decisions, including sustained performance issues, unmanaged risk, changes in business model, or failure to meet contractual or policy expectations. Learners examine how termination decisions differ from temporary restrictions and why clarity around authority, timing, and communication matters.

Through applied examples and decision scenarios, the course reinforces how ODFIs plan and execute offboarding in a way that limits exposure, supports orderly wind-down, and preserves documentation. Learners also explore why origination activity must stop before agreements are terminated and how settlement, returns, and residual risk are managed during the transition.

Estimated learner time: 15•20 minutes, depending on pace and interaction with the scenario. This course is designed for ACH operations staff, risk and compliance professionals, and others responsible for managing origination risk, enforcing policy boundaries, and executing termination decisions within an ODFI’s origination program.

This course is available exclusively to members of ePayResources.

Item Number - LMSM2619

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