Consumer Banking and Payments Law: 5.3.6.2 NACHA Requirements
Merchants and others billing consumers impose fees when ACH debits and checks are returned; NACHA rules call these “return fees” and permit the biller to collect a return fee via the ACH Network. NACHA Rule 2.14 defines and establishes a return fee entry as a specific and separate type of ACH entry, allowing billers to obtain authorization by providing the consumer with a notice at the time that the underlying ACH debit is authorized or the underlying check is accepted that conforms to the requirements of Regulation E.628