Limited Participation DFI
Category: RDFI, regulatory & deceased Initiated by: RDFI
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
RDFI's participation has been limited by a federal or state advisor e.g., bank closure.
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.
How it appears in an ISO 20022 statement
Nacha's mapping guide maps R34 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.
What an operator does next
The RDFI's participation is limited by a regulator — for example, a bank closure. Route around the institution; do not retry into it.
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) — retrieved 2026-09-06
- Nacha — rule page 'ACH Network Risk and Enforcement Topics' (unauthorized return rate threshold; reinitiation of entries) — retrieved 2026-09-06