Invalid Individual Name / Company Name
Category: Federal enrolment (ENR) Initiated by: Federal Government Agency
Read reinitiation conditions and source →Applies to (SEC scope)
ENR
camt.053 mapping
Not mapped
Nacha's definition
The name of the consumer or company provided in Field 3 of the Addenda Record either does not match a corresponding name in the Federal Government Agency's records or fails to include at least one alphameric character.
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: ENR.
Reinitiation conditions
Nacha's reinitiation rule page allows reinitiation "to correct administrative errors", with fields other than Company Name, Company ID and Amount modified only to the extent necessary. A corrected resubmission of a returned debit is therefore treated as a reinitiation, within the Rules' limits and carrying RETRY PYMT. Nacha's reinitiation rule addresses returned debits; a returned credit falls outside it.
correct the field the RDFI identified, and code the resubmission correctly.
How it appears in an ISO 20022 statement
Nacha's mapping guide marks this code as not currently supported or mapped for camt.053 (footnote 1): it applies to Standard Entry Class codes or flows the guide does not cover, so it has no published ISO 20022 reason-code mapping.
Return time frame
ENR returns are made by a Federal Government Agency under the Rules' ENR provisions; the time frame is not stated in the public sources used here.
What an operator does next
ENR (automated enrolment) entries are returned by a federal agency for the enrolment data problem the code names. Correct the enrolment record field identified and resubmit the enrolment; these codes do not arise in commercial billing.
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