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"the RDFI is allowed 60 days to return the ACH debit. Because of this, the ACH protocol is very consumer friendly, since the originator of the ACH debit must now return the money they debited"

Well, consumer-friendly if the consumer has enough money in their account to temporarily cover the unauthorized debit amount plus any other authorized debits/withdrawls that occur in the meantime. But if the ODFI's do their homework to keep fraudsters from getting accounts, I suppose that issue is minimized.




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