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The Clearing House Payments Authority

The Clearing House Payments Authority (TCHPA) serves more than 4,000 member banks, credit unions and companies throughout the U.S. with a focus on ensuring access to payments education on the various U.S. payment systems, assisting with compliance testing, informing efforts to reduce risk and positioning member organizations for success in the rapidly changing payments landscape.

We are the go-to resource regarding payments system rules, regulations and risk management, covering all payment channels:  ACH, check/image, card transactions, wire transfer and instant payments.

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2026 Concepts Conference

30 Years of Concepts

Celebrate the 30th Anniversary of Concepts in May of 2026 at Crystal Mountain Resort. Nestled in in the mountains of Michigan, this unique setting is a perfect getaway to participate in two interactive days of payments programming, networking with colleagues, sponsors, and industry speakers. More Info

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ACH Audit Guides

ACH Annual Audit Guide

The Third-Party Service Provider and Sender ACH Annual Audit Guide is an interactive resource that provides point-by-point instructions for completing the annual ACH audit required by the ACH Rules. Visit the TCHPA Payments Store to view all interactive ACH audit and risk assessment resources.

 

2022 NCP Exam Climb To Success
New in 2026

TCHPA's Payments Leaders Network

The TCHPA Payments Leaders Network is designed to connect leaders in the payments industry and to help you keep pace with the industry rules, regulations, and innovations. Register here.

 

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Industry Updates

FraudClassifier Survey

The Federal Reserve Financial Services is conducting a brief survey of U.S. based financial services depository organizations use of the FraudClassifierSM Model. Survey participants should have some capacity in fraud detection/mitigation and have either retail consumer and/or businesses customers. Complete the survey here.