Preparing for the 2026 Nacha ACH fraud monitoring rule changes requires more than awareness — it requires operational clarity. The ACH 2026 Readiness Brief is a focused, biweekly discussion designed to help financial institutions navigate implementation decisions, examiner expectations, and evolving ACH fraud trends in 15 minutes or less.
Session 7 - Summary
The 2026 Fraud Monitoring Rules 2nd phase implementation date is almost here! A summary of the Nacha ACH fraud monitoring rule changes was provided during this session. The summary provides guidance regarding Nacha’s 2026 ACH fraud monitoring requirements and compliance deadlines for financial institutions, non-consumer originators, TPS, and TPSPs.
Topics include:
ODFI and RDFI Potential Impacts
RDFI Key Monitoring Requirements and Expectations
Documentation Needs and Retention Timeframes
General Best Practices from Compliance Guides
What will examiners/auditors be reviewing for compliance
Consequences of not performing fraud monitoring
Danita Moss, AAP, NCP, SVP - Payments Education - SFE
Starr Largin, SVP, Sales, Finovifi
.3 CEUs AAP/AFPP/APRP