Nacha Rules Updates
The ACH Network is governed by Nacha and the Nacha Operating Rules. These rules standardize the roles and responsibilities of all participants in the network. The Nacha rules help ensure payments are run smoothly and efficiently through the network.
It's important for you and your clients to be familiar with the Nacha rules to ensure your business is compliant. As new rules are introduced, Kotapay is available to help you understand how they may effect your business.
Visit Nacha's website to learn more about past and upcoming rules.
Nacha Operating Rules
Effective March 20, 2026
Fraud Monitoring
This requires companies to establish and implement risk-based processes and procedures reasonably intended to identify ACH Entries initiated due to fraud. Processes must be reviewed at least annually. Consider adopting some of these best practices to monitor fraud.
Phase 1: Effective 3/20/26 | Phase 2: Effective 6/19/26
RDFI ACH Credit Monitoring
The rule requires Receiving Depository Financial Institutions (RDFI) to establish and implement risk-based processes and procedures designed to identify credit Entries initiated due to fraud. This rule requires banks to put these procedures in place and doesn’t require any action on your part.
Phase 1: Effective 3/20/26 | Phase 2: Effective 6/19/26
Company Entry Descriptions
This rule establishes new standard company entry descriptions to better identify certain purposes of transactions, help monitor and manage risk and improve ACH quality. The standard company entry descriptions included are PAYROLL and PURCHASE. These changes will need to be made with your software provider.
Effective: 3/20/26
