The 2026 Nacha Rule Change is Coming. Are You Ready?
We help Originators, Third-Party Service Providers/Third-Party Senders, and Financial Institutions comply with Nacha’s new Risk Management Rule amendments. Our solution includes automated transaction return risk scoring, pattern analysis, flagging suspicious patterns, and reducing manual oversight.
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Maintain Nacha Compliance
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Reduction of Manual Labor
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30-Day Onboarding
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What's Changing?
Expanded Fraud Detection Responsibilities (ODFIs): 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.
Why It Matters?
Non-compliance will cost your bottom line.
- Regulatory Fines and Audit Failures
- Increased Reputational Risk
- Manual Return Reviews and Delayed Response Times
How Affirmative Solves This
Automated Return Monitoring, Pattern Analysis, and Risk Scoring Built for Nacha 2026.
Automated Return
Pattern Detection
Across clients and third parties.
Custom Alerts
On items such as return spikes, or suspicious trends.
Industry Benchmarking
Know your high-risk accounts and compare across the network.
Audit-Ready Reporting
Prove compliancy quickly.
Originator Snapshot
Easily identify high risk originators.
Custom Thresholds
Easily comply with your risk policies.