Regular ACH fraud detection monitoring is imperative for establishing baselines of what typical activity looks like for your institution, making atypical activity easier to identify. Beginning in 2026, new Nacha Operating Rules & Guidelines are being introduced as part of a larger Risk Management package intended to:
- Reduce the incidence of successful fraud attempts
- Improve the recovery of funds after fraud has occurred
Prepare for the upcoming Nacha Rules changes
New rule amendments will require institutions to establish and implement risk-based processes and procedures reasonably intended to identify ACH entries initiated due to fraud.
| Fraud Monitoring by Originators, Third-Party Service Providers (TPSPs) and Originating Depository Financial Institutions (ODFIs) | Receiving Depository Financial Institution (RDFI) ACH Credit Monitoring | |
|---|---|---|
| Phase 1 March 20, 2026 |
The rule will apply to all ODFIs. The rule will apply to non-consumer originators, TPSPs, and third-party senders (TSPs) with annual ACH origination volume of 6 million or greater in 2023. |
The rule will apply to RDFIs with annual ACH receipt volume of 10 million or greater in 2023. |
| Phase 2 June 19, 2026 |
The rule will apply to all other non-consumer originators, TPSPs, and TPSs. | The rule will apply to all other RDFIs. |
Learn how FedACH Services can help mitigate fraud
Federal Reserve Financial Services (FRFS) offers a suite of FedACH Services to help you monitor and manage your ACH payments business, even if you use a third-party sender! Learn more about how these tools can help inform operational, risk management and strategic decision-making for your institution:
- FedACH Anomaly Notification, part of the FedDetect® Notification Services suite identifies atypical activity for the current day using baselines established for a financial institution’s historical activity or by comparing its ACH transactions to industry rules.
- FedACH Risk® Origination Monitoring Service provides an ODFI with enhanced control, flexibility and automated ease in monitoring ACH risk.
- FedACH Risk RDFI Alert Service provides notice of unusual or noteworthy conditions within an RDFI’s FedACH files or batches or in a receiver’s items based on alert criteria thresholds it establishes in the service.
Review the full rules
We strongly encourage all FedACH Services customers to obtain a copy of the 2026 Nacha Rules to understand the new rule changes and their potential operational impact. To purchase your copy or to learn about related training opportunities, please contact your nearest payments association (Off-site).
