Operating rules · The Clearing House · Authoritative (T1)
RTP Participation 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
- The Clearing House · Authoritative (T1) · recorded 16 Sep 2026source ↗
Versions ClearingPost holds (3)
- Effective 06-01-2026effective 1 Jun 2026current
What changed: Updated RTP Participation Rules effective June 1, 2026, superseding July 21, 2025 edition. Published alongside updated RTP Operating Rules of the same effective date.
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 Participation Rules: Effective 09-30-2026' and published at https://www.theclearinghouse.org/-/media/New/TCH/Documents/Payment-Systems/RTP/RTP-Participation-Rules-Effective-September-30-2026.pdf. The TCH document library also lists a summary-of-changes document aligned with the 30 September 2026 effective date. Supersedes the edition effective 1 June 2026, which the document library labelled 'Current RTP Participation Rules: Effective 06-01-2026' as of 8 September 2026.
This version at the publisher ↗ - Effective 07-21-2025effective 21 Jul 2025
What changed: Current RTP Participation Rules governing participant eligibility and obligations; an upcoming version effective 30 September 2026 has been announced
This version at the publisher ↗