NACHA News

20 New Members Join Payments Innovation Alliance

NACHA announced that 20 organizations joined the Payments Innovation Alliance during Q1 2026, expanding the cross-industry network that addresses innovation, education and operational improvements across the ACH Network. New members include financial institutions, fintech companies, technology providers, and legal service firms. The Alliance provides members with workgroup access, industry discussions, and engagement with payments ecosystem leaders.

NACHA Rules on Credit-Push Fraud Risk Now Effective

NACHA has implemented Phase 1 of new fraud monitoring rules for the ACH Network effective March 20, 2026. ODFIs of all sizes and non-consumer Originators, Third-Party Service Providers, and Third-Party Senders with 6 million+ annual ACH origination volume (2023) must now have risk-based processes to identify fraudulent ACH entries. RDFIs with 10 million+ annual ACH receipt volume (2023) must similarly implement fraud identification procedures. Phase 2 in June 2026 will extend these requirements to all entities regardless of volume.

2026 Nacha Operating Rules and Guidelines - New Risk Management Focus

NACHA announces the 2026 Nacha Operating Rules and Guidelines, emphasizing a new focus on risk management and credit-push fraud monitoring. The rulebook is available for purchase through the Nacha Store at $75 for members and $110 for non-members. Financial institutions are encouraged to obtain the latest edition to access educational materials and guidance for compliance with the new risk-based approach.

New Nacha Risk Management Rules Compliance Guidance

NACHA published compliance guidance on new ACH Network Risk Management Rules effective in 2026, advising organizations to implement proactive, risk-based processes including annual reviews. The guidance emphasizes that compliance is not a one-time exercise but requires ongoing evaluation against evolving fraud schemes, technological changes, and operational growth.

Podcast on Fraud Prevention: ACH Check Fraud Rising

NACHA published a podcast featuring Q2 and NACHA executives discussing the rise in check and ACH fraud. The podcast highlights that Positive Pay fraud prevention services are often adopted reactively after fraud occurs rather than proactively, and explores potential industry shifts such as making fraud protection an 'opt-out' rather than 'opt-in' service.