Permissible Return Entry (CCD and CTX) only
Category: RDFI, regulatory & deceased Initiated by: RDFI
Applies to (SEC scope)
CCD & CTX
camt.053 mapping
NARR — Narrative
ISO code shared with other Nacha codes
Reinitiation
Not applicable to this code
Nacha's definition
RDFI may return a CCD or CTX Entry that the ODFI agrees to accept.
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: CCD & CTX.
How it appears in an ISO 20022 statement
Nacha's mapping guide maps R31 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 governing time limit for this code is set in the Nacha Operating Rules, which Nacha sells and which were not used here, so it is not restated.
Can the entry be reinitiated?
Nacha's reinitiation rule governs resubmission of returned debit entries; it does not arise for this code. See the definition and the operator note for what the return means and who acts on it.
What an operator does next
The RDFI may return a CCD or CTX entry that the ODFI has agreed to accept back — a negotiated return, not a rule breach.
PaymentBrief guidance, not Nacha text. Your ODFI's procedures and the current Nacha Operating Rules govern.
Where this comes up on PaymentBrief
Sources for this code
- 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) — nacha-mapping-guide, retrieved 2026-09-06
- Nacha — rule page 'ACH Network Risk and Enforcement Topics' (unauthorized return rate threshold; reinitiation of entries) — nacha-rule-page, retrieved 2026-09-06