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In general, the requirements in proposed § 1041.

The process can be summarized in three steps.

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Exceeding this threshold does not necessarily violate NACHA rules, but rather allows NACHA to demand additional information from the lender's originating depository financial institution (ODFI) for the purpose of determining whether the ODFI should lose access to the ACH system.

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And of course you can still brand the look and feel to your company.