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ABA Standards

About American Bankers Association Standards

American Bankers Association (ABA) Standards represent a comprehensive framework of best practices and guidelines developed to ensure integrity and excellence within the banking sector. These Standards are crafted by the American Bankers Association, a major entity in the financial industry, advocating for the interests of the banking community across the United States. ABA Standards cover a wide range of areas including risk management, compliance, financial crimes, cybersecurity, and customer service, aiming to uphold the highest levels of professionalism and ethical conduct in banking.


Intertek Inform: Your Gateway to American Bankers Association Standards

Intertek Inform serves as a critical resource for accessing American Bankers Association Standards, providing financial institutions with the tools they need to stay compliant and competitive. Through our platform, banks, and financial services firms can easily acquire up-to-date ABA Standards in both digital and print formats, enabling them to integrate these essential guidelines seamlessly into their operations. Intertek Inform helps ensure that your organization adheres to the best practices established by the ABA, fostering trust and enhancing operational effectiveness.

 

Financial Services - Image Replacement Document - IRD
Return Reasons for Check Image Exchange and IRDs
Financial Transaction Messages - Electronic Benefits Transfer (EBT) Supplemental Nutrition Assistance Program (SNAP) And Cash Benefit Programs
Magnetic Ink Character Recognition - Printing MICR Characters
Electronic Exchange of Check and Image Data
Magnetic Ink Printing (MICR) Part 1:Formatting MICR
TIFF Image Format For Image Exchange
Bank Deposit Tickets
Financial Services - Committee On Uniform Security Identification Procedures Securities Identification CUSIP
Financial transaction card originated messages - Interchange message specifications - Part 1: Messages, data elements and code values (Identifical to ISO 8583-1:2009)
Rules for Building and Classing Floating Production Installations
Financial Services - Check Endorsements
Specifications for Electronic Exchange of Check and Image Data (non-domestic)
Wireless Management and Security Part 3: Mobile
RANDOM NUMBER GENERATION - PART 2: ENTROPY SOURCES
RANDOM NUMBER GENERATION - PART 4: RANDOM BIT GENERATOR CONSTRUCTIONS
Public Key Cryptography For The Financial Services Industry - Key Agreement And Key Transport Using Elliptic Curve Cryptography
FINANCIAL SERVICES - PENETRATION TESTING WITHIN THE FINANCIAL SERVICES INDUSTRY
FINANCIAL SERVICES - SECURE CRYPTOGRAPHIC DEVICES (RETAIL) - PART 1: CONCEPTS, REQUIREMENTS AND EVALUATION METHODS
RETAIL FINANCIAL SERVICES - SYMMETRIC KEY MANAGEMENT - PART 1: USING SYMMETRIC TECHNIQUES
FINANCIAL SERVICES - PUBLIC-KEY CRYPTOGRAPHY FOR THE FINANCIAL SERVICES INDUSTRY - KEY ESTABLISHMENT USING INTEGER FACTORIZATION CRYPTOGRAPHY
RETAIL FINANCIAL SERVICES - REQUIREMENTS FOR PROTECTION OF SENSITIVE PAYMENT CARD DATA - PART 2
PUBLIC KEY CRYPTOGRAPHY FOR THE FINANCIAL SERVICES INDUSTRY - DIGITAL SIGNATURE ALGORITHMS GIVING PARTIAL MESSAGE RECOVERY - PART 1
ANSI X9.24-3 : 2017

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Frequently Asked Questions

Read on to find out more about ABA

American Bankers Association Standards are a set of guidelines and best practices designed to govern operations, ethics, and compliance within the banking industry. These Standards are critical for ensuring that banks operate with the highest level of integrity and efficiency, and they cover a broad spectrum of banking operations from loan processing to customer data protection.  

ABA Standards are used by banks and financial institutions to navigate the complex regulatory environment and maintain high Standards of operation. They provide a foundation for developing policies and procedures that meet or exceed regulatory requirements, enhance customer satisfaction, and manage risks effectively. These Standards are also instrumental in training and development within the banking sector, ensuring that staff are well-versed in compliance and best practices.

The American Bankers Association Standards are owned and maintained by the American Bankers Association, which is a national trade association for the banking industry based in Washington, D.C., USA. The ABA represents banks of all sizes and scopes, from small community banks to large national institutions, providing advocacy, education, and products and services to its members.

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