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NACHA Rules also require the ACH files for the two additional attempts to be labeled as “reinitiated” transactions.
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See Clarity Services, Finding the Silver Lining in Regulatory Storm Clouds: Consumer Behavior and Borrowing Capacity in the New Payday Market at 4, 9 [hereinafter Finding the Silver Lining in Regulatory Storm Clouds: Consumer Behavior and Borrowing Capacity in the New Payday Market], available at 580.
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