Department of Treasury list of financial institutions receiving Federal Government ACH payments. The Financial Organization Master File (FOMF) is a master list of financial institutions that are receiving U.S. Federal Government ACH (Automated Clearing House) payments. It is a list that is derived from the U.S. Federal Reserve Bank’s ACD (ACH Customer Directory) that contains related information (such as the RTN, mailing address, and institutional name) of all valid Automated Clearing House participants.
The data on the Financial Organization Master File is what the Financial Management Service (FMS) relies on to validate the RTN’s that were used to originate payments. It is also the data that is used to send trace inquiries, reclamation notices, and marketing materials to financial institutions.