Which organization maintains the Automated Clearing House system?

The Automated Clearing House (ACH) system is primarily maintained by the Federal Reserve. This organization plays a vital role in processing electronic payments and ensuring efficient and secure transactions between banks and other financial institutions in the United States. The Federal Reserve operates a network that facilitates the movement of money and information between participating institutions, making it the backbone of the ACH system.

Other organizations mentioned in the options, such as the Bank for International Settlements, World Bank, and International Monetary Fund, focus primarily on international banking, finance, and economic stability rather than the domestic electronic payment systems like the ACH. These institutions are involved in broader monetary policies and global economic issues, rather than the specific operational responsibilities associated with maintaining the ACH system.