As the ACH Network continues to evolve, so do the associated risks. Recognizing this, Nacha has introduced new rules aimed at enhancing fraud detection and prevention. FIs must proactively adapt to these changes to safeguard their institutions and customers.
We've compiled high-level insights and actions that banks, credit unions, third-party processors, and their teams can take to ensure they're prepared.
Understanding the 2026 Fraud Monitoring Rule Changes
Nacha's upcoming rule changes focus on strengthening fraud monitoring across the ACH Network.
Key aspects include:
- Expanded Fraud Detection Responsibilities: All Originating Depository Financial Institutions (ODFIs), non-consumer Originators, Third-Party Senders, and Third-Party Service Providers involved in ACH processing must implement processes to identify unauthorized entries or those authorized under false pretenses.
- Phased Implementation for Receiving Depository Financial Institutions (RDFIs):
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- Phase 1 (Effective March 20, 2026): Applies to RDFIs with annual ACH receipt volumes of 10 million or more in 2023.
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- Phase 2 (Effective June 19, 2026): Extends to all other RDFIs.
These rules aim to reduce successful fraud incidents and improve fund recovery when fraud occurs.
Action Steps
To stay ahead of these changes, compliance officers, treasury services, and respective teams should:
- Assess Current Detection Systems: Evaluate existing processes to ensure they can identify unauthorized or suspicious ACH transactions effectively.
- Enhance Internal Communication: Facilitate information sharing between departments, monitoring transactions, and those managing operations, products, and client relationships.
- Update Policies and Procedures: Revise internal documentation to reflect new responsibilities and ensure staff are trained accordingly.
- Engage with Technology Providers: Collaborate with vendors to implement or upgrade systems capable of meeting the new monitoring requirements.
- Monitor Nacha Updates: Stay informed about further guidance or clarifications from Nacha regarding these rule changes.
- Here is the link to subscribe to Nacha's email communication: https://www.nacha.org/content/manage-your-email-subscriptions-form
The 2026 Nacha rule changes represent a significant shift in how financial institutions must approach fraud monitoring within the ACH Network. Financial Institutions that act now will be better positioned to meet these new requirements, reduce operational risk, and protect their organizations from potential fraud.
Let's Chat!
Reach out to our team to learn how we're supporting clients ahead of the 2026 deadline—and how we can do the same for you.
Our team is actively helping institutions implement ACH fraud and risk monitoring solutions that align with Nacha’s upcoming rules. These solutions provide transaction oversight, automated alerting, and robust audit trails. If you're looking for a partner to guide you through preparation and deployment, we're here to help.
Sources: https://www.nacha.org/rules/risk-management-topics-fraud-monitoring-phase-1