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WEBINAR MATERIALS: Current Update on CARES Act PRF Reporting Instructions & Recent FAQsAndrew Kent, Esq., CVA, and Claudia Reingruber, CPA, CHC
7/23/2021
New CARES Act Provider Relief Fund (PRF) Reporting Requirements were issued on June 11, 2021, and the PRF Reporting Portal opened on July 1, 2021. This webinar includes the new and better-defined reporting requirements, extended deadlines, expanded reporting periods, and other changes.
Potential Benefits of Section 1202 Continue to Grow
7/23/2021
Section 1202 of the Internal Revenue Code is growing in popularity among investors and may become even more valuable in 2022. Section 1202 allows founders and investors of corporations to exclude up to 100% of their capital gains derived from the sale of qualified small business stock (QSBS) held for more than five years (subject to limitations). Because the gain exclusion percentage for a shareholder depends on the QSBS issuance date, as time goes on more investors are becoming eligible for the full, 100% exclusion—and thus its rise in popularity.
2021 State & Local Tax Year-End Issues to Consider Now
7/22/2021
State and local governments are revisiting taxpayer compliance with nexus rules and other tax policies, considering new taxes on digital services and reconsidering conformity with federal tax rules and legislation in an effort to rebuild their economies. The following is an in-depth look at five key state tax issues that taxpayers should begin considering now.
Reingruber Alert: PRF Single Audit Timelines Extended!
7/21/2021
The PRF Single Audit Timelines are extended! These new instructions were issued by the HHS on July 15, 2021.
The Sky Is Not Falling... Yet
7/20/2021
The U.S. Bureau of Labor Statistics recently announced the continued upward trend in inflation for June 2021, with the largest month-over-month gain in the consumer price index (CPI) in 13 years. Growth in the year-over-year measure of CPI also accelerated to 5.4%, and people are running around with their hair on fire!
Sponsoring a Health & Welfare Benefit Plan: Are You 5500 Compliant?
7/8/2021
Health & Welfare Plans provide benefits such as medical, dental, and life insurance. In 2002, the Form 5500 filing requirement was amended by the IRS, but many initially believed that the requirement had been fully suspended. However, the requirement was only lifted for some employers; but, for others (those not meeting the exemptions), the requirement remained in place and continues to be an annual requirement.
How to Develop and Utilize an Effective Board of Directors
6/29/2021
A well-designed and utilized board of directors can greatly contribute to the success of a nonprofit entity. When recruiting directors, it is important to understand the purpose of the board, develop meaningful criteria for director selection and ensure that there are processes in place to fully utilize each director.
Construction Tax Team Featured in Florida Transportation Builders Association's Magazine
6/29/2021
Stress, confusion, uncertainty, and annoyance – those are likely some of your memories of 2020. And while the calendar has flipped to a new year, we all continue to be challenged physically, socially, mentally and financially...
GovCon Updates of the Week Part 11
6/28/2021
Want the latest on the drop in small business contractors, the United States Air Force's potential $750 million contract and cybersecurity specifications like "critical software"?
Cares Act vs American Rescue Plan Act Funding
6/25/2021
With the enactment of the Coronavirus State Fiscal Recovery Fund and the Coronavirus Local Fiscal Recovery Fund (Coronavirus Recovery Fund) established under the American Rescue Plan Act (ARPA) on May 10, 2021, the U.S. Department of the Treasury has made available $350 Billion to state and local governments to cover the costs incurred as a result of recovery efforts related to the COVID-19 pandemic.
GovCon Updates of the Week Part 10
6/24/2021
Want the latest news on the growing list of blacklisted Chinese companies, record spending on government contracts and a proposed change to the Department of Defense Federal Acquisition Regulation Supplement (DFARS)?
Saltmarsh Financial Advisors Recognized as Top Wealth Advisory Firm by Accounting Today
6/24/2021
Saltmarsh Financial Advisors, LLC is honored to be recognized by Accounting Today as a top firm by total assets under management (AUM)!
WEBINAR RECORDING: How to Approach Your FedLine Assessment for Banks
6/24/2021
With an update to Operating Circular 5 on October 15, 2020, the Federal Reserve added requirements for an annual Assessment for all banks. This timely webinar presented by the Financial Institution Advisory Group will cover strategies for completing the annual assessment timely, effectively, and efficiently.
Treasury's Green Book Provides Details On Administration's Tax Blueprint
6/23/2021
The Treasury Department on May 28 released its general explanation of tax proposals included in the Biden administration's fiscal year 2022 budget submission to Congress. Commonly known as the "Green Book," the 114-page document provides more details regarding the administration’s tax proposals that had been previewed in the American Jobs Plan and the American Families Plan.
WEBINAR MATERIALS: The Rise of Ransomware - The Evolution, Risk & Recovery
6/22/2021
The evolution of ransomware creates constantly changing threats to businesses and if your defense and recovery processes aren’t changing along with it, you may not be prepared to bounce back when it finds you. This webinar includes a discussion about understanding, mitigating, and managing ransomware risks as well as best practices for small businesses.
Covid-19 Implications For Presumptive Laws And Workers' Compensation
6/22/2021
Most state workers’ compensation (WC) laws clearly state that a disease to which the general population is exposed is exempt from WC. On the surface, this exemption appears to limit the impact of COVID-19 on WC coverage. Many states, however, have “presumption laws” pertaining to occupational disease and employment.
Nacha's ACH Contact Registry Rule - Phase 2
6/21/2021
Under Phase 2, on August 1, 2021, Nacha’s enforcement authority for the Automated Clearing House Network (ACH) Contact Registry Rule becomes effective. ACH participating DFIs that do not register their contact information with Nacha may be subject to a Rules enforcement proceeding and Class 2 violation fines.
Jayme Terrell Graduates From ConvergenceCoaching's Transformational Leadership Program
6/18/2021
We are proud to announce that Jayme Terrell, Director of Growth & Communications, is a part of ConvergenceCoaching’s 2020-2021 Spring Transformational Leadership Program™ (TLP) graduating class!
Reingruber Alert: Final Provider Relief Fund Reporting Requirements Are Here
6/17/2021
Final Provider Relief Fund (PRF) reporting requirements are here! These new instructions were released on June 11th and extends the deadline for PRF use for funds received on or after 07/01/2020.
DOL Issues Cybersecurity Guidance for Retirement Plans
6/14/2021
On April 14, the Department of Labor (DOL) outlined a range of practices for combatting the growing threat of cybercrime to ERISA-covered retirement plans. This first-ever cybersecurity guidance issued by the DOL’s Employee Benefits Security Administration (EBSA) casts a wide net, addressing key issues affecting plan sponsors, fiduciaries, record keepers, as well as plan participants and beneficiaries.
GovCon Updates of the Week Part 9
6/14/2021
Want updates on the Department of Homeland Security’s (DHS) and the Transportation Security Administration's (TSA) new directive, a program called Measuring the Information Control Environment (MICE) and Congress's new bills coming this summer?
WEBINAR RECORDING: Applying for Manufacturing Training Grants
6/2/2021
The Saltmarsh Manufacturing Team is excited to bring you this timely webinar, featuring FloridaMakes Business Advisor, Paula DeLuca. Key takeaways include insights to upscale workforce skills, and how to get specialized training for your company. Access recording...
Asset Liability Management Modeling in a COVID-19 World
6/1/2021
Throughout this COVID-19 pandemic, we have seen some unusual and unexpected Asset Liability Management (ALM) model results. Most notably, model results are showing lower Economic Value of Equity (EVE) values relative to base case book values than normal, created by the historically low levels of market interest rates. We have also observed cases where projected or actual asset growth rates are putting stress on regulatory capital ratios, creating a need to re-evaluate (and possibly lower) internal minimum capital target levels.
The Evolution of Ransomware
5/28/2021
As many people know, ransomware started by simply encrypting large amounts of victims’ data and holding the encryption key until the victim paid a ransom. The initial iterations of this were almost harmless, but as we look back, the genius involved is obvious. Read more!
WEBINAR MATERIALS: Nacha Operating Rules Update
5/28/2021
The Nacha Operating Rules (Nacha Rules) direct how the ACH Network is operated. As the payments industry continues to evolve, so do the Nacha Rules. Has your financial institution or business kept pace with the recent and upcoming Nacha Rule changes? Access webinar...
Maximizing Value and Minimizing Risk in Your Managed Care Contract Portfolio
5/26/2021
In the years running up to the COVID-19 pandemic, the U.S. healthcare industry was thriving with growth and innovation. With steady and growing patient volumes, broad health insurance coverage and generally adequate reimbursement and funding, the focus was largely centered around reducing the total cost of care while improving access and quality.
GovCon Updates of the Week Part 8
5/25/2021
Want the latest updates on Government fiscal year (FY) 2022 budget release, the Department of Defense's (DoD) 5G telerobotic healthcare and the president's Executive Order (EO) on Improving the Nation’s Cybersecurity? Read more!
The Excess Liquidity Puzzle
5/24/2021
Liquidity: We’re up to our eyeballs in it. Over the last 12 months, financial institutions have experienced unprecedented levels of deposit growth driven by consumer and commercial government stimulus (PPP, stimulus checks, unemployment benefits, etc.), as well as elevated household savings rates resulting from stagnant economic activity and consumer flight-to-safety behavior.
Finding Flexibility Amid COVID-19: How Nonprofits Can Scale for Success
5/24/2021
The COVID-19 pandemic has impacted nonprofits in dramatically different ways, with some organizations scrambling to meet rapidly rising demand and others shrinking to survive the ongoing crisis. Whether an organization’s situation has been one of boom, bust or somewhere in between, scalability is a universal asset in a global pandemic.
BankTech Bytes: The Evolution of Ransomware
5/21/2021
This BankTech Bytes Newsletter discusses the evolution of ransomware and what it is today.
As many people know, ransomware started by simply encrypting large amounts of victims’ data and holding the encryption key until the victim paid a ransom. The initial iterations of this were almost harmless, but as we look back, the genius involved is obvious.
Nacha's Reversals Rule
5/18/2021
Currently, the Nacha Rules define a limited number of permissible reasons for reversing entries; but, they do not explicitly address improper uses of reversals. Nacha’s Reversals Rule will explicitly address the improper uses and will expand the permissible reasons for a reversal to include an error in the entry effective date.
Christina Doss Featured in Advisors Magazine Holistic Talk Issue
5/18/2021
In the May 2021 ‘Holistic Talk Issue’ of Advisors Magazine, Christina weighs in on the importance of a holistic financial approach to planning to achieve better results. The Saltmarsh planning methods go beyond a traditional monetary-only focus. They consider additional factors in clients’ lives, such as family, personal beliefs and lifetime goals, and focus on financial education when advising clients.
Florida Enacts Economic Nexus and Marketplace Legislation
5/17/2021
On April 19, 2021, Florida’s governor signed S.B. 50 into law, making Florida one of the last states to adopt economic nexus and marketplace facilitator rules for sales tax purposes since the landmark U.S. Supreme Court decision in South Dakota v. Wayfair.
GovCon Updates of the Week Part 7
5/10/2021
Want the latest updates on the minimum wage executive order, the Army's augmented reality OTA case, and the Made in America Executive Order?
White House Unveils Plan to Help American Families Funded by Tax Increases on Wealthy
5/7/2021
On April 28, 2021, the Biden administration unveiled a $1.8 trillion plan to provide assistance to middle- and low-income families that would be largely funded by tax increases on wealthy Americans. The plan is expected to be fleshed out during President Biden’s first address to a joint session of Congress scheduled for the evening of the announcement.
GovCon Updates of the Week Part 6
5/6/2021
Want the latest updates on the Endless Frontier Act for emerging tech, the newest armed forces branch, the Space Force, and Consortia-Managed Other Transaction Authorities (OTAs)?
Tech Leaders Worldwide Have Optimistic Outlook For 2021
5/5/2021
Amid unanticipated crisis, technology leaders sprang into action and helped business continue across many industries. After weathering the worst of the storm, tech executives carry continued optimism into 2021, anticipating a continued surge in demand and further opportunities for growth.
White Paper: Manufacturing Outlook, Help Wanted2nd Quarter 2021 Insights from the Saltmarsh Manufacturing Team
5/4/2021
This White Paper discusses the staffing challenges that manufacturers face as production ramps up as the pandemic de-escalates... As the U.S. moves closer to putting the pandemic in the rearview window, “normal” seems right around the corner for the manufacturing industry, but what does that mean? In 2018, before COVID-19 reared its ugly head, organizations like Deloitte and the Manufacturing Institute anticipated that U.S. manufacturers would face a shortage of workers through 2028.
What, if anything, has changed since then?
Service Spotlight: RMHC Casual for Kids 2021Ronald McDonald House Charities Annual Fundraiser
4/30/2021
Though we couldn’t spend the day cooking up a meal or helping around the House, we were still able to make an impact at Ronald McDonald House Charities of Northwest Florida by participating in the Casual for Kids 2021 fundraiser!
Employer Tax Credit for Vaccine-Related Sick Leave
4/30/2021
On April 21, 2021, the Internal Revenue Service (IRS) announced further details about tax credits available under the American Rescue Plan (ARP) to help small businesses, including providing paid leave for employees who receive COVID-19 vaccinations.
'New' Department of Defense EVM Reporting Requirement Integrated Program Management Data And Analysis Reporting (IPMDAR)
4/29/2021
The DOD Integrated Program Management Reporting requirement for Earned Value Management (EVM) and Integrated Master Schedule (IMS) reporting has been replaced. The new IPMDAR Data Item Description (DI-MGMT-81861B) was implemented in April 2020 and is being applied to contracts now.
GovCon Updates of the Week Part 5
4/29/2021
Want the latest updates on the Covid-19 variants, the General Services Administration (GSA) company waivers and the Department of Veterans Affairs (VA) increased budget?
IRS Issues Guidance for Claiming Employee Retention Credit in 2021
4/27/2021
The IRS on April 2, 2021, issued additional guidance for employers claiming the employee retention credit (ERC) under the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), as modified in December 2020 by the Taxpayer Certainty and Disaster Tax Relief Act of 2020 (Relief Act). The ERC is designed to help eligible businesses retain employees by offering a credit against employment taxes when qualified wages and healthcare expenses are paid during the COVID-19 pandemic.
Five Metrics Your Construction Company Should Start Tracking Today
4/26/2021
Keeping track of key performance indicators (KPIs) is more crucial now than it was a year ago. As businesses continue to struggle with the uncertainty of the future, it is important for management to understand its financial position.
CARES Act Employee Retention Credits for Nonprofit Employers
4/23/2021
Many nonprofit organizations were forced to shutter or temporarily close their operations under a governmental order as a result of the coronavirus pandemic, while others were forced to severely limit their offerings. One way to continue to pursue your organization's objectives is to ensure that you are still able to function, even if only in a limited capacity.
Nonprofit Data Breach Vulnerabilities and How to Avoid Them
4/23/2021
As more people are shifting to digital lifestyles and remote operations, data is being passed through the internet now more than ever. Proportionate to this, however, are the opportunities for potential compromise of the data, particularly via a data breach.
Reingruber Alert: Recent Updates & Info for Providers
4/23/2021
In case you missed it, here are some recent updates and information for providers about the COVID-19 national Public Health Emergency (PHE), the Medicare Sequestration Pause, the Covid-19 Funeral Assistance from FEMA and the PRF reporting portal. Learn more!
Presentation of Covid-19 Related Federal Programs on the Schedule of Expenditures of Federal Awards
4/22/2021
New aid provided by federal agencies in response to the COVID-19 pandemic can impact the presentation of your organization’s Schedule of Expenditures of Federal Awards (SEFA), Notes to the SEFA, and Federal Audit Clearinghouse Data Collection Form (DCF). As you prepare for your audit, it is important to understand the funding you received and identify the COVID-19 related funds separately on the SEFA provided to the auditors to support an effective audit.
GovCon Updates of the Week Part 4
4/21/2021
Want the latest updates on the Biden administration's 2022 budget request, small disadvantaged business (SDB) federal contract percentages and the U.S. Army biosurveillance systems?
Provider Relief Funds - Reporting and Audit Requirements
4/20/2021
When Congress passed the Coronavirus Aid, Relief and Economic Security (CARES) Act, it established the Provider Relief Fund (PRF) to support American families, workers and healthcare providers in the battle against COVID-19.
Nacha's Supplementing Data Security Requirements Rule
4/20/2021
Nacha’s Supplementing Data Security Requirements rule expands the existing ACH Security Framework to explicitly require large, non-financial institution Originators, Third-Party Service Providers, and Third-Party Senders to protect account numbers (consumer and non-consumer) used in the initiation of ACH entries by rendering them unreadable when stored electronically.
IRS Issues Final Regulations on UBTI
4/19/2021
On Dec. 2, 2020 the U.S. Treasury and IRS published final regulations under Internal Revenue Code (IRC or Code) Section 512(a)(6), the provision requiring tax-exempt organizations with more than one unrelated trade or business to calculate unrelated business taxable income (UBTI) separately with respect to each trade or business.
The M&A Metrics Software Companies Need to Know
4/16/2021
Software companies may be surprised by the metrics used to gauge their value and growth potential during M&A. Knowing what investors look at is core to the deal negotiation process.
GovCon Updates of the Week Part 3
4/15/2021
Want the latest updates on the U.S. State Department's IT modernization, President Biden's nomination of Michael Brown for the Under Secretary of Defense for Acquisition and Sustainment (A&S) and the American Jobs Plan?
Reingruber Alert: FRVS Survey Data Submission Deadline
4/15/2021
DUE APRIL 30, 2021: Submission of updated FRVS survey data to AHCA. The FRVS survey data will be used to calculate your 10/01/2021 FRVS rate.
Why Manufacturers are Looking Forward to Growth
4/13/2021
As more Americans get vaccinations and an economic recovery is within sight, manufacturers can bring lessons learned during the pandemic to accelerate growth. However, a recent BDO poll found that manufacturers are split; some are in growth mode and are focusing on product or service innovation and tech investments, while others are looking to weather the rest of the economic downturn and restructure.
WEBINAR MATERIALS: CMMC Readiness (Part 3) - Where to Start
4/8/2021
By now your cyber score is reported and your plans of action and milestones (POA&Ms) are built. What do you do next? In Part 3 of our series, we share new information released since our last webinar and begin addressing how to approach the CMMC framework at your organization. Access materials from our webinar...
GovCon Updates of the Week Part 2
4/7/2021
Want the latest on Artificial Intelligence (AI), the House’s Defense Critical Supply Chain Task Force and the Securing American Leadership in Science and Technology Act (SALSTA)?
Five Ransomware Themes Keeping Directors Up at Night
4/7/2021
Spoiler alert: If it isn’t already, cybersecurity should likely be on your board agenda at every meeting. Here are the top five takeaways from recent discussions with directors and subject matter experts at regional board roundtables.
Biden Administration Unveils Tax Blueprint as part of American Jobs Plan
4/5/2021
The Biden administration on March 31, 2021, unveiled a jobs and infrastructure plan, the American Jobs Plan, to address the nation’s pressing infrastructure needs. The plan calls for about $2 trillion in spending over eight years.
Deadline Extended for PPP Loan Applications
4/1/2021
The U.S. Senate passed legislation (PPP Extension Act of 2021) on March 25, 2021 that provides a 60-day extension for eligible employers to apply for a Paycheck Protection Program (PPP) loan. The House of Representatives approved the legislation on March 16, 2021.
IRS Extends Certain Tax Filing and Payment Deadlines to May 17
4/1/2021
The Internal Revenue Service confirmed in an announcement on March 29, 2021, that individuals have until May 17, 2021 to meet certain deadlines that would normally fall on April 15.
Cares Act Employee Retention Credits for Retail Employers
3/31/2021
The government has supported retail and the continuation of their services with the passage of the CARES Act in March 2020, which includes PPP and the Employee Retention Credit (ERC). Under the CARES Act, companies could take advantage of either the PPP or the ERC, but not both.
Reporting and Audit Requirements for Provider Relief Fund Recipients
3/29/2021
Through the CARES Act and supplemental funding from the Coronavirus Response and Relief Supplemental Appropriations (CRRSA) Act, the U.S. Department of Health and Human Services (HHS) is in the process of distributing $178 billion to hospitals and healthcare providers on the front lines of coronavirus response and relief efforts. Qualified providers of healthcare, services and support may receive PRF payments for healthcare-related expenses or lost revenue due to COVID-19.
GovCon Updates of the Week
3/29/2021
Want the latest on Federal Acquisition Regulation, Health and Human Services Regulatory Changes and Technology Modernization Fund?
Suzanne Cox Featured in Mobilization Funding Cash Flow Management Webinar
3/26/2021
Cash flow in construction is complex, but managing your company's cash flow shouldn't feel impossible. What you need are a few simple, actionable strategies that will take your cash flow management from chaotic to clear and productive.
InWeekly 2021 Power List Honoree: Lee Bell
3/24/2021
We are proud to announce that our President, Lee Bell, has been featured in the 2021 InWeekly Power List!
WEBINAR MATERIALS: Strategies for Maximizing PPP Loan Forgiveness, Part 10
3/24/2021
Our speakers break down PPP updates and the latest guidance from the SBA. They will also review the American Rescue Plan Act and Employee Retention Credit updates. Access webinar materials here.
Consolidated Appropriations Act: What Plan Sponsors Need to Know About Retirement Plan Relief
3/23/2021
The Consolidated Appropriations Act, 2021 (CAA), which was enacted on December 27, 2020, is mostly known for the $900 billion it provided in additional stimulus funding for pandemic relief. Additionally, the law contains several useful provisions for retirement plans, including non-COVID disaster emergency relief, multiemployer and defined benefit plan changes, and updates to partial plan terminations.
What Individuals Need to Know About the American Rescue Plan Act
3/22/2021
The American Rescue Plan Act of 2021 (ARPA), signed into law by President Biden on March 11, 2021, provides additional major relief to individuals and businesses that continue to be impacted by the COVID-19 pandemic. The ARPA provisions related to individual taxpayers.
Cares Act Provider Relief Fund: FAQsAccounting, Audit and other Compliance Reporting Considerations
3/18/2021
On January 15th, 2021 the U.S. Department of Health & Human Services (HHS) released updated guidance on the Provider Relief Fund reporting requirements. This amended guidance is in response to the Coronavirus Response and Relief Supplemental Appropriations Act (Act). The Act was passed in December 2020 and added an additional $3 billion to the PRF along with new language regarding reporting requirements.
New IRS Guidance Regarding Tax Due Date Change 2021
3/18/2021
On Wednesday, March 17th, the U.S. Treasury Department and Internal Revenue Service extended the due date of individual Federal income tax returns and the deadline to make contributions to IRAs and HSAs from April 15, 2021 to May 17th, 2021.
Nacha's Limitation on Warranty Claims Rule
3/18/2021
Effective June 30, 2021, Nacha’s Limitation on Warranty Claims Rule will expressly limit the time in which an RDFI may make a claim against the ODFI’s authorization warranty.
Practical Matters: FAQs For Plan Sponsors and Employees On CARES Act Relief
3/11/2021
The Coronavirus Aid, Relief and Economic Security (CARES) Act was a rapid response by the federal government to help businesses and employees cope with the economic issues caused by the pandemic. Many aspects of the wide-range law make significant changes affecting employer-sponsored retirement plans and their participants.
CFPB Finalizes HPML Escrow Exemptions
3/11/2021
The Consumer Financial Protection Bureau (CFPB) issued a final rule amending the higher-priced mortgage loan (HPML) escrow rule. The final rule exempts certain insured depository institutions and insured credit unions from the requirements to establish escrow accounts for HPMLs.
Clint Allen Earns Certified Public Accountant Designation
3/11/2021
We are excited to announce that Clint Allen has officially been designated as a Certified Public Accountant (CPA). Clint worked hard to complete the parts required to pass the CPA exam, and that hard work has paid off!
Camille Benacci Earns Certified Public Accountant Designation
3/10/2021
We are excited to announce that Camille Benacci has officially been designated as a Certified Public Accountant (CPA). Camille worked hard to complete the parts required to pass the CPA exam, and that hard work has paid off!
To Compete in Fintech, Banks Must Build on Pandemic-Driven Digital Transformation
3/9/2021
Lockdowns during the pandemic precluded face-to-face transactions at bank branches, forcing even “late adopter” banking customers to embrace digital banking and compelling financial institutions to roll out digital alternatives for those transactions—sometimes overnight. When the pandemic eventually subsides, banks may be tempted to rein in those digital transformation initiatives.
How Does the Stock Market Perform When Interest Rates Rise?
3/5/2021
CLIENT QUESTION OF THE WEEK: How does the stock market perform when interest rates rise? Many believe the recent rise in interest rates is a reflection of investors' expectations for a strong economic recovery, certainly the desired outcome from the COVID-19 pandemic...
Nacha's Differentiating Unauthorized Return Reasons Rule - Phase 2 Becomes Effective April 1, 2021
3/3/2021
Nacha is implementing the Differentiating Unauthorized Return Reasons Rule in two phases. Phase 1 became effective on April 1, 2020, and Phase 2 becomes effective on April 1, 2021.
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