Understandably for an accomplishment that took three years of hard work, the National Automated Clearing House Association celebrated last month with some fanfare the adoption of a rule for using its network to collect returned checks.

It made a lot of sense to streamline that troublesome process electronically. It made so much sense that some 2,500 merchants began using the ACH network for bad checks even before getting the protections and warrants that Nacha rules afford.

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