Operating rules · The Clearing House · Authoritative (T1)
RTP System Operating Rules
Current version Effective 06-01-2026 · Effective Jun 1, 2026 · entry recorded 16 Sep 2026
Open the current version at the publisher ↗
Systems it applies to
Publisher: The Clearing House →
Upcoming effective dates
Versions ClearingPost holds (4)
- Effective 06-01-2026effective 1 Jun 2026current
What changed: In-force edition listed by The Clearing House as 'Current RTP Operating Rules: Effective 06-01-2026'; cover reads 'RTP Operating Rules, June 1, 2026' and the contents page 'RTP Operating Rules, Effective June 1, 2026'. Supersedes the 01-01-2026 edition and precedes the upcoming 09-30-2026 and 10-04-2026 editions. The document carries no change log, so the specific amendments are not itemised here.
This version at the publisher ↗ - Effective 10-04-2026takes effect 4 Oct 2026
What changed: New Operating Rules edition incorporating Requirements for RTP Zelle Messages effective October 4 2026
This version at the publisher ↗ - Effective 09-30-2026takes effect 30 Sep 2026
What changed: Upcoming edition listed by The Clearing House as 'Upcoming RTP Operating Rules: Effective 09-30-2026' and published at https://www.theclearinghouse.org/-/media/New/TCH/Documents/Payment-Systems/RTP/RTP-Operating-Rules-Effective-September-30-2026.pdf. The cover reads 'RTP Operating Rules, September 30, 2026'. The document's Revision History states the edition was initially published in December 2025 following approval of changes regarding Indirect Domestic Send (IDS) Payments. The Revision History states an updated version was published in April 2026 to incorporate additional changes related to the Liquidity Management Transfer (LMT) Service and to make formatting enhancements. The Revision History records that the LMT Service changes were approved on 13 April 2026 and take effect on 1 June 2026. Supersedes the edition effective 1 June 2026.
This version at the publisher ↗ - Effective 01-01-2026effective 1 Jan 2026
What changed: Current RTP Operating Rules effective January 2026; includes On Behalf Of (OBO) payment framework with full compliance now mandatory (deadline passed April 16, 2026). TCH may require OBO-sending participants to undergo third-party compliance audits. An upcoming version effective September 30, 2026 is announced alongside updated Participation Rules. RTP Customer Display Requirements for Credit Transfers and Request for Payments take effect July 1, 2026.
This version at the publisher ↗