Add NACHA return-rate breach runbook
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docs/runbooks/RUNBOOK_nacha_return_rate_breach.md
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# RUNBOOK — NACHA Return Rate Breach
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Threshold: `return_rate_threshold: 0.15` (`config/omnipay_integration_policy.json`).
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1. **Hold** — pause further ACH originations (gateway toggle).
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2. **Analyze** — return codes; top offenders; LPOA/authorization status.
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3. **Correct** — fix data quality / authorization gaps.
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4. **Rebuild** — monitor rolling 30-day return rate under threshold.
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5. **Record** — audit + report to compliance owner.
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Full procedure: `LEGALSYNC_COMPLETE_PACK.md`
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