Regulations
![What is the North American Free Trade Agreement (NAFTA)?](https://images.ctfassets.net/40w0m41bmydz/Nn9wvzTwYVRyjnmPdyUTc/48cd6ff10ac440fb24d73d2ef0eb98d3/CDT-878_Organic_content_thumbnail_regulation_02.png?w=680&h=385&q=50&fm=png)
What did the North American Free Trade Agreement, or NAFTA, accomplish? Read on
![What is Nacha?](https://images.ctfassets.net/40w0m41bmydz/1NLhmytvQC8VTmhWbpymPB/156346e80f094efb9302fe4edf037db5/CDT-878_Organic_content_thumbnail_regulation_03.png?w=680&h=385&q=50&fm=png)
Understanding the Nacha operating rules is important for managing ACH payments.
![How Does VAT Work for Small Businesses?](https://images.ctfassets.net/40w0m41bmydz/1NLhmytvQC8VTmhWbpymPB/156346e80f094efb9302fe4edf037db5/CDT-878_Organic_content_thumbnail_regulation_03.png?w=680&h=385&q=50&fm=png)
Check out our guide to VAT explained for small businesses, right here.
![GST vs. VAT Tax: What’s the Difference?](https://images.ctfassets.net/40w0m41bmydz/6pBq1SuTPYcUGNWsZFFcKB/91e3bf2b16615bd9eecd73855311bef4/CDT-878_Organic_content_thumbnail_regulation_01.png?w=680&h=385&q=50&fm=png)
Explore GST and VAT differences with our helpful guide for UK businesses.
![What is bad debt?](https://images.ctfassets.net/40w0m41bmydz/1NLhmytvQC8VTmhWbpymPB/156346e80f094efb9302fe4edf037db5/CDT-878_Organic_content_thumbnail_regulation_03.png?w=680&h=385&q=50&fm=png)
Get a little more information on bad debt in accounting, right here.
![What Is a UTR Number?](https://images.ctfassets.net/40w0m41bmydz/12cSVPJMPdH6CNBWkVG1Q4/6e0339b75fad79bff5784afd24825da0/CDT-878_Organic_content_thumbnail_regulation_04.png?w=680&h=385&q=50&fm=png)
A UTR number is a unique 10-digit number used to identify taxpayers. Read on.
![How Do I Pay My Self Assessment Tax Online?](https://images.ctfassets.net/40w0m41bmydz/12cSVPJMPdH6CNBWkVG1Q4/6e0339b75fad79bff5784afd24825da0/CDT-878_Organic_content_thumbnail_regulation_04.png?w=680&h=385&q=50&fm=png)
Find out how to make a Self Assessment tax return with our step-by-step guide.
![Public liability insurance for small business](https://images.ctfassets.net/40w0m41bmydz/12cSVPJMPdH6CNBWkVG1Q4/6e0339b75fad79bff5784afd24825da0/CDT-878_Organic_content_thumbnail_regulation_04.png?w=680&h=385&q=50&fm=png)
Public liability insurance can protect your business in the event of a claim.
![Guide to VAT exemption for UK businesses](https://images.ctfassets.net/40w0m41bmydz/Nn9wvzTwYVRyjnmPdyUTc/48cd6ff10ac440fb24d73d2ef0eb98d3/CDT-878_Organic_content_thumbnail_regulation_02.png?w=680&h=385&q=50&fm=png)
Learn about VAT exemption in the UK, VAT-exempt items, and much more.
![How to do a VAT return](https://images.ctfassets.net/40w0m41bmydz/Nn9wvzTwYVRyjnmPdyUTc/48cd6ff10ac440fb24d73d2ef0eb98d3/CDT-878_Organic_content_thumbnail_regulation_02.png?w=680&h=385&q=50&fm=png)
Our comprehensive guide for how to complete a VAT return.
![When does a small business have to pay tax in the UK?](https://images.ctfassets.net/40w0m41bmydz/12cSVPJMPdH6CNBWkVG1Q4/6e0339b75fad79bff5784afd24825da0/CDT-878_Organic_content_thumbnail_regulation_04.png?w=680&h=385&q=50&fm=png)
When do you have to start paying taxes? Read our guide for more information.
![A guide to small business cyber security](https://images.ctfassets.net/40w0m41bmydz/12cSVPJMPdH6CNBWkVG1Q4/6e0339b75fad79bff5784afd24825da0/CDT-878_Organic_content_thumbnail_regulation_04.png?w=680&h=385&q=50&fm=png)
Want to stay safe? Explore our cyber security checklist for small business.