@tk01kj - not understanding where you are going with this. ACH transactions are part of the banking system and you really can't separate an ACH transaction from Banks and look at other regulations.
Simply, call your legislative representative as this is a State matter. That is what your elected officials are for. They have ways to 'grease the skids' with the government agencies and that is all you really need. You don't want to go through the hassle of a lawsuit, you just want resolution. THis is why you elected them into office, so they could help you out with these kinds of issues - they are going to be happy and please to resolve this (because they want you to vote for them again in November!)
