How many regional associations govern the ACH Network?

The ACH Network is governed by 12 regional associations. These associations play a critical role in overseeing and facilitating the operations of the Automated Clearing House (ACH) system, which is essential for the electronic transfer of funds in the United States. Each regional association is responsible for a specific geographic area and works to promote the utilization of the ACH network, provide guidance on compliance and operational best practices, and address any issues that may arise within their regions.

The governance structure includes these associations to ensure that the ACH Network functions efficiently on both a national and regional level. This is vital for maintaining the integrity, reliability, and security of electronic payments made through the ACH system. Therefore, while the number stated in the answer reflects an understanding of the association structure, it is important to note that the actual number of regional associations recognized is indeed 12.