Accredited ACH Professional (AAP) Practice Exam 2026 - Free AAP Practice Questions and Study Guide

The correct answer reflects the standard timeframe established by the National Automated Clearing House Association (NACHA) rules for handling Notifications of Change (NOCs). An Originator must respond to a NOC within 6 banking days of receiving the request. This policy ensures that any discrepancies regarding account information or other relevant data used in ACH transactions are addressed promptly, preventing potential issues with transactions and maintaining the integrity of the ACH system.

In this case, the 6 banking days allow the Originator sufficient time to investigate the change, analyze the impact, and implement any required adjustments to their systems or processes. This timeframe is essential for facilitating effective communication and resolution between parties involved in ACH transactions, thereby ensuring compliance with regulatory standards and enhancing the reliability of the payment system.