R35

Return of Improper Debit Entry

A debit entry was transmitted to an account or under a SEC code for which debits are not permitted.

Initiator
RDFI
Category
Format
Retry
No

What to do next

Re-originate under a SEC code that permits debits, or collect another way.

CIE

Awaiting expert review

Scoped to CIE per Dwolla, which also cites loan accounts (an account-type restriction rather than a SEC restriction). Verify the full prohibited set.