Parsing ACH files from the Fed with moov-io/ach's Reader worked for ASCII files, but files containing UTF-8 names (e.g. John DèS) came out garbled: è showed up as è. The reporter's analysis: the charset detection library only inspects the first 1024 bytes of the file. If those are all plain ASCII (0-7F), it decides the file is Windows-1252 and decodes the UTF-8 bytes as Latin-1, even when real UTF-8 characters appear later in the file.