What type of transactions would NOT typically fall under the purview of the Nacha Operating Rules?

Wire transfers are distinct from transactions covered by the Nacha Operating Rules because they are settled through different systems. While the Nacha rules govern the Automated Clearing House (ACH) network, which is designed for batch processing of transactions, wire transfers are processed in real-time through separate networks. This means different regulations and banking practices apply to wire transfers compared to ACH transactions such as direct deposits, corporate payments, or consumer ACH transactions.

The Nacha Operating Rules are specifically designed to provide a framework for ACH transactions, covering aspects such as transaction types, authorization requirements, error resolution, and other important operational guidelines. This includes consumer ACH transactions and direct deposits that are clearly defined within the ACH framework. Therefore, transactions like wire transfers, which are not processed through the ACH, do not fall under these rules.