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ACH return R06

Returned per ODFI's Request

Category: RDFI, regulatory & deceased Initiated by: RDFI, at the ODFI's request

Read reinitiation conditions and source →

Applies to (SEC scope)

ALL

camt.053 mapping

NARR — Narrative

ISO code shared with other Nacha codes

Nacha's definition

ODFI has requested that the RDFI return an Erroneous Entry, or a credit Entry originated without the authorization of the Originator.

Verbatim from Nacha — ISO 20022 Guide to Mapping U.S. ACH Return Items and Notifications of Change, August 2023, Version 2.01 (Table 1, return reason codes) (return reason code table). Applies to: ALL.

Reinitiation conditions

If this was a returned debit, Nacha's general reinitiation restrictions apply; this code alone does not establish permission to reinitiate. Confirm the current Rules and the return reason with your ODFI before any further entry.

Source: Nacha — rule page 'ACH Network Risk and Enforcement Topics' (unauthorized return rate threshold; reinitiation of entries)

How it appears in an ISO 20022 statement

Nacha's mapping guide maps R06 to camt.053 reason code NARR (Narrative) — ISO definition: Reason is provided as narrative information in the additional reason information. Nacha marks this ISO code as mapped to more than one Nacha return code, so the ISO code alone does not identify the Nacha reason; read the narrative or the original return record.

Return time frame

Nacha's public rule pages refer to the standard "two-day" return time frame for returns that are not extended (unauthorized) returns. The current Nacha Operating Rules and your ODFI determine the applicable deadline for this code; a general public two-day reference is not a substitute for that code-specific requirement.

Source: Nacha — rule page 'ACH Network Risk and Enforcement Topics' (unauthorized return rate threshold; reinitiation of entries)

What an operator does next

Your own ODFI asked the RDFI to return this entry — an erroneous entry, or a credit sent without your authorization. Nacha's rule page records that since 1 October 2024 an ODFI may request a return for any reason, indemnifying the RDFI; that the RDFI's compliance remains optional; that the stated aim is recovering funds after fraud; and that from 1 April 2025 the RDFI must advise the ODFI of the request's status within ten banking days. Your ODFI is the party to talk to.

PaymentBrief guidance, not Nacha text. Your ODFI's procedures and the current Nacha Operating Rules govern.

Where this comes up on PaymentBrief

Nacha's credit-push fraud rules: an operator reference

Covers R06 (ODFI Request for Return), the R16/R90 sanctions framing, and the 2026–2028 rule timetable.

Payout and disbursement failure runbook

How a returned ACH credit is triaged — repair, reissue or escalate — and why repair and retry are different decisions.
Public-source reference. Quoted definitions and rule statements are attributed to the public documents linked on this page; PaymentBrief's operator guidance is labelled separately. This reference does not reproduce the complete Nacha Operating Rules. The current rules and your ODFI's procedures govern. A gap in a cited public document does not establish that the rules permit an action or that no other rule applies.

Sources for this code

Related codes

R14

Representative Payee Deceased or Unable to Continue in That Capacity

R15

Beneficiary or Account Holder (Other Than a Representative Payee) Deceased

R16

Account Frozen / Entry Returned Per OFAC Instruction

R17

File Record Edit Criteria / Entry with Invalid Account Number Initiated Under Questionable Circumstances / Return of Improperly Initiated Reversal
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