Industry Associations


X9, The Accredited Standards Committee X9 (ASC X9) has the mission to develop, establish, maintain, and promote standards for the Financial Services Industry in order to facilitate delivery of financial services and products. Larry Krummel, the founder of All My Papers is a voting member of the X9.37 and IRD printing committees.


ECCHO (Electronic Check Clearing House Organization) is a not-for-profit, mutual benefit, national clearinghouse that is 100% owned by its member institutions. Any depository financial institution, regardless of size, is eligible for membership in ECCHO. Created by banks in 1990 as a cooperative venture to encourage the implementation of electronic check presentment, ECCHO now enjoys a membership of over 900 U.S. financial institutions. ECCHO’s primary activities can be divided among three functions: rules development and maintenance, industry education, and industry advocacy. ECCHO is recognized by many organizations across the U.S. as the national provider of ECP and image exchange rules. Institutions that are covered by ECCHO’s clearing house rules hold approximately 60% of the total U.S. deposits.

All My Papers is a Sponsoring Member of ECCHO.

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