Refused Notification of Change code
C61 refused NOC code: Misrouted Notification of Change
An ODFI sends C61 back to the RDFI to refuse a Notification of Change: misrouted notification of change.
What C61 means
C61 is the refused NOC code Misrouted Notification of Change
. A refused NOC tells the RDFI that its Notification of Change was itself wrong, so the ODFI and the Originator will not act on it.
- The NOC was sent to the wrong ODFI.
What happens next
The refused NOC goes back to the RDFI, which can correct the Notification of Change and send it again. Until a correct NOC arrives, nothing changes in the Originator’s records.
The ODFI may refuse a NOC within 15 days of receiving it.
How C61 appears in a NACHA file
A refused NOC travels like a NOC: a zero-dollar entry in a batch with SEC code COR and an addenda record of type 98. The refused code sits in positions 4–6, followed by the original trace number and details copied from the NOC being refused; the Rules give its layout field by field.
To read a NOC file record by record, open the file in NACHA Navigator, a free sister site that parses NACHA files in your browser without uploading them.
Look up C61 from code or an AI agent
curl -s 'https://payopskit.com/api/v1/codes/C61?set=ach-noc'{
"jsonrpc": "2.0",
"id": 1,
"method": "tools/call",
"params": {
"name": "lookup_payment_code",
"arguments": {
"code": "C61",
"set": "ach-noc"
}
}
}{
"code": "C61",
"set": "ach-noc",
"found": true,
"matches": [
{
"set": "ach-noc",
"code": "C61",
"name": "Misrouted Notification of Change",
"description": "Refused Notification of Change, sent by the ODFI. The ODFI may refuse a NOC within 15 days of receiving it.",
"details": {
"refused": true,
"retired": false,
"correctedData": "Corrected Data copied from the refused NOC",
"timeframe": "The ODFI may refuse a NOC within 15 days of receiving it",
"timeframeKind": "calendar-days",
"timeframeDays": 15,
"caveat": "Confirm the refused-NOC timeframe in the current Nacha Operating Rules."
}
}
]
}The MCP server is at /mcp (Streamable HTTP, no key); the API and MCP docs show how to connect Claude, Cursor or VS Code.
Source: Nacha Operating Rules, Appendix Five (Notification of Change). The code’s title is the Rules’ own; the rest is this site’s plain-language summary, informational and not a substitute for the Rules or your ODFI agreement.