Request for Proposals for Automated Clearing House Services

The Texas Comptroller of Public Accounts (CPA) is issuing Request for Proposals (RFP No. 240k) to procure Automated Clearing House (ACH) services from a single qualified financial institution. The services will support the Comptroller's Fiscal Management Division and Treasury Operations Division, along with participating state agencies, with the primary objective of providing comprehensive ACH origination and processing capabilities including file transmission, account validation, fraud detection, and transaction management for both debit and credit entries. The contractor must accommodate multiple daily file submissions at varying intervals, ranging from one to three business days prior to settlement dates, with some same-day settlement eligibility. Key qualifications include demonstrated financial stability, current insurance coverage (including $1,000,000 commercial general liability, $1,000,000 professional liability, and $25,000 blanket dishonesty bond), compliance with Texas data safeguard standards and cybersecurity requirements, and adherence to artificial intelligence regulations. Pricing must be submitted on a firm fixed-price basis covering ACH-related fees, wire transfer fees, implementation fees, transaction fees, and all associated service costs. The evaluation will prioritize respondent qualifications and past performance (40%), proposed work plan (25%), and cost (35%), with selection based on best value determination under Chapter 2156 of the Texas Government Code. Written questions are due April 28, 2026, with responses posted May 1, 2026; proposals must be submitted electronically by May 19, 2026, at 2:00 p.m. Central Time, with contract execution anticipated for July 1, 2026.

The RFP specifies no set-asides; however, respondents must complete a mandatory HUB Subcontracting Plan (HSP) form demonstrating good faith efforts to utilize Texas-certified Historically Underutilized Businesses (HUBs), including Veteran-owned HUBs where applicable, as this is a requirement for all state procurement opportunities with an expected value of $100,000 or more. Respondents planning to subcontract must provide written notification to at least three Texas-certified HUBs and two trade organizations or development centers at least seven working days prior to bid submission. No incumbent contractor is identified in the procurement documentation, and no existing infrastructure or technology integration requirements are specified. The contract value is not explicitly stated in the available documentation; however, the HSP form reference to opportunities of $100,000 or more suggests the contract meets or exceeds that threshold. The initial contract term extends through August 31, 2029, with one optional renewal period through August 31, 2030, and a potential six-month transition extension at the Comptroller's discretion. Funding is contingent upon legislative appropriation and availability of funds, with the Comptroller retaining the right to terminate the contract immediately if funds become unavailable.