As part of a comprehensive effort to strengthen fraud prevention and improve fund recovery, Nacha is rolling out new fraud monitoring rules in phases. Phase 1 took effect on March 20, with Phase 2 set to follow on June 19. Below is a snapshot of the new rules. 

Fraud Monitoring by Originators, TPSPs and ODFIs

• Phase 1 – March 20, 2026: This rule was applied to all ODFIs, as well as to non-Consumer Originators, TPSPs, and TPSs with annual ACH origination volume of 6 million or greater in 2023.
• Phase Two – June 19, 2026: The rule will apply to all other non-Consumer Originators, TPSP, and TPS.

RDFI ACH Credit Monitoring

• Phase 1 – March 20, 2026: The rule applied 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 RDFIs.

Learn More  

For complete technical details, impact, and FAQs about the Phase 2 rules, visit Nacha’s Risk Management Topics – Fraud Monitoring Phase 2 webpage.