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hey everybody NACHA continues to stay on top of things its the first bulletin for the month but the third within a week as issues are arising or as theyre becoming aware of potential issues not just doing what they can to help ensure that the ACH network is adapting to changes much in the same way all of us are having to adapt as well this time theyve released a bulletin that will help with the potential of rules violations that are due to possible elevated return rates now whats that mean well stay tuned and learn more [Music] its a CH Operations bulletin number six 2020 NACHA provides relief regarding potential rules violations for elevated return levels it was released April 2nd 2020 in this bulletin NACHA is letting the industry know they are aware that there may be an increase in the number of returns especially for those debits as people may not have the funds available to cover those debits right now what we see in this bulletin is this not just says businesses that origi