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<strong>ACH</strong> – Automated Clearinghouse, an overnight method of transferring funds electronically via the Federal Reserve.
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constrained market pricing (D4, L5) Prices in little need of regulation because they are constrained by competition. This concept is used by US regulatory agencies, such as the INTERSTATE COMMERCE COMMISSION, in its pricing policies. Prices not constrained by competition have to be between a floor price equal to marginal cost and a ceiling price equal to the STANDALONE COST.

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<strong>Repayment period</strong> – The period during which payments of principal and interest are required. The repayment period follows any applicable in-school or grace period (for Stafford Loans) and excludes any period of authorized deferment or forbearance.

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