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Create NACHA file formats

I have to create/read/parse NACHA files (PPD/CCD etc format). I need to know either the format or source code (.NET/VB/Java) for this. I cud not find much for this on google except existing utilities.

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8/22/2022 - Mon

Reactivation of R05 (Return Reason Code) Effective March 18, 2005

The NACHA Operating Rules will be amended March 18, 2005 to reactivate R05 (Return Reason Code) to accommodate the return of unauthorized debit entries to consumer accounts when those debits were originated using a corporate Standard Entry Class Code (CCD, CTX and CBR). This rule change will enable Receiving Depository Financial Institutions (RDFIs) to apply the same return rules and time frames (i.e. 60 days from settlement date) for returning all unauthorized debits to consumer accounts, regardless of the SEC Code contained within the entry.

Currently, an unauthorized debit to a consumer account incorrectly bearing a corporate SEC code must be returned by the RDFI in accordance with the return rules and time frames governing corporate transactions (Return Reason Code R29 within two banking days of the Settlement Date of the original entry). The return time frame for corporate entries often will have lapsed before the consumer has notified his RDFI of the unauthorized debit to his account, and the RDFI will then be precluded from automatically returning the unauthorized debit. Instead, the RDFI would be required to request permission from the Originating Depository Financial Institution (ODFI) to return the entry as a permissible return.

The reactivation of return reason code R05 (Unauthorized Debit to Consumer Account Using Corporate SEC Code) will become available to RDFIs on March 18. With the addition of this rule, RDFIs will be able to return all unauthorized debits to consumer accounts, regardless of SEC Code, within 60 days of the settlement date of the original entry, provided the RDFI has obtained a written statement under penalty of perjury from the consumer.


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Thanks for this JanezZ. It was a lot of help.

One last question, what will be the format for the response file which we can read and get to know whether transaction was a failure or success. This will complete my purpose.

Thanks a lot in advance for this.
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