Nacha’s 2026 rules turn ACH into a fully monitored fraud rail. From March 20, 2026, banks that send or receive these payments must be able to spot both clearly unauthorized transfers and those sent under False Pretenses.
Existing Outseer customers can immediately meet the new Nacha monitoring requirements by adding ACH payments into your existing solution.
- ODFIs and RDFIs are all being asked to implement risk-based monitoring for transactions to target scams.
- Phase 1 (March 2026) and Phase 2 (June 2026) are fast-approaching deadlines, and financial institutions are encouraged to act now.
- Unlike Reg E for debit-pull, these new rules don't shift liability for credit-push transactions.
- This change creates an obligation to govern, test, and update fraud policies annually.