UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM 8-K


                                 CURRENT REPORT

                     PURSUANT TO SECTION 13 OR 15(D) OF THE
                         SECURITIES EXCHANGE ACT OF 1934


       Date of Report (Date of earliest event reported): October 11, 2006


                         ELECTRONIC CLEARING HOUSE, INC.
             (Exact name of registrant as specified in its charter)


             Nevada                    0-15245                   93-0946274
(State or other jurisdiction of      (Commission               (IRS Employer
         incorporation)              File Number)            Identification No.)



      730 Paseo Camarillo, Camarillo, California                   93010
       (Address of principal executive offices)                  (Zip Code)

       Registrant's telephone number, including area code: (800) 233-0406

          (Former name or former address, if changes since last report)

             ------------------------------------------------------

Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[_]      Written  communications  pursuant to Rule 425 under the  Securities Act
         (17 CFR 230.425)

[_]      Soliciting  material pursuant to Rule 14a-12 under the Exchange Act (17
         CFR 240.14a-12)

[_]      Pre-commencement  communications  pursuant to Rule  14d-2(b)  under the
         Exchange Act (17 CFR 240.14d-2(b))

[_]      Pre-commencement  communications  pursuant to Rule  13e-4(c)  under the
         Exchange Act (17 CFR 240.13e-4(c))





ITEM 2.02         RESULTS OF OPERATIONS AND FINANCIAL CONDITION
ITEM 8.01         OTHER EVENTS

         On October 11, 2006,  Electronic  Clearing  House,  Inc. issued a press
release  discussing the impact of certain U.S.  legislation on the  registrant's
business and future results of operations.  A copy of the press release is being
furnished  as  Exhibit  99.1  to  this  Current  Report  on  Form  8-K,  and  is
incorporated herein by reference.


ITEM 9.01         FINANCIAL STATEMENTS AND EXHIBITS

         (c)      Exhibits

                  99.1     Press Release  dated October 11, 2006,  issued by the
                           Registrant.


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                                   SIGNATURES


Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.





                                        ELECTRONIC CLEARING HOUSE, INC.
                                        (Registrant)




                                        By: \S\ ALICE CHEUNG
                                            ----------------------------
                                          Alice L. Cheung, Treasurer and
                                          Chief Financial Officer



Dated:  October 12, 2006


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                                  EXHIBIT INDEX


EXHIBIT
NUMBER           DESCRIPTION OF DOCUMENT
-------          -----------------------

99.1             Press Release dated October 11, 2006, issued by the Registrant.


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