What must a consumer do to revoke an ACH authorization?

To revoke an ACH authorization, the consumer must provide a written notice to the originator of the transaction. This is critical because written notification ensures there is a clear record of the revocation, which can help prevent any misunderstandings or disputes in the future.

The originator is the entity that initiated the ACH transaction, such as a merchant or service provider, and they are responsible for honoring the revocation once they receive it. By requiring a written notice, the ACH network ensures that consumers have a formal and traceable method of communicating their request, thereby providing a level of security and accountability for both parties involved.

Other methods, such as verbal notices or informal communication (like emails), may not be recognized as valid methods to revoke the authorization, as they do not provide the same clarity and documentation necessary in financial matters. Hence, the clear requirement for written notice reinforces the importance of having a definitive record regarding the consumer’s intent to revoke the authorization.