RTP Participation Rules

Systems it applies to

• RTP →

Publisher: The Clearing House →

Versions ClearingPost holds (3)

1. Effective 09-30-2026effective 30 Sep 2026current

   What changed: Edition effective 30 September 2026, listed as the current RTP Participation Rules in the TCH document library on 12 October 2026 and published at https://www.theclearinghouse.org/-/media/New/TCH/Documents/Payment-Systems/RTP/RTP-Participation-Rules-Effective-September-30-2026.pdf. Section 2 of The Clearing House's Compendium of RTP Rule Change Summaries states that the PayCo Board approved changes to the RTP Participation and Operating Rules to permit Indirect Domestic Send (IDS) Payments on the RTP network and to make other clarifying or clean-up changes, taking effect on September 30, 2026. In the Participation Rules, Section II.B (Obligations and Options for Participation) is renamed and adds language permitting a Participant to be an IDS Originating Institution as long as it is not the Sending Participant of the IDS Payment. The summary also records a clarifying change to the definition of depository institution in Participation Rule I.B. Supersedes the edition effective 1 June 2026, whose Participation Rules change revised the definition of Funding Participant in Rule II.A.1 to reflect that a Funding Participant may use the FedNow Liquidity Management Transfer Service to fund the Prefunded Balance Account.

   This version at the publisher ↗
2. Effective 06-01-2026effective 1 Jun 2026

   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.

   Publisher page (not this version) ↗
3. 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

   Publisher page (not this version) ↗