June 19, 2026

RISK MANAGEMENT TOPICS – (Fraud Monitoring Phase 2)

These Rule amendments related to monitoring for fraud become effective on June 19, 2026 and are part of a larger Risk Management package intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after frauds have occurred. NOTE: As June 19 is a federal holiday, the practical effective date for these two rules will be the next banking day – Monday, June 22, 2026. All affected parties are encouraged to become compliant with these rules as soon as possible, but no later than June 22, 2026.

March 20, 2026

RISK MANAGEMENT TOPICS – Company Entry Descriptions

These two Rule amendments on Company Entry Descriptions become effective on March 20, 2026 and are part of a larger Risk Management package intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after frauds have occurred.

March 20, 2026

RISK MANAGEMENT TOPICS – (Fraud Monitoring Phase 1)

These Rule amendments related to monitoring for fraud become effective on March 20, 2026 and are part of a larger Risk Management package intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after frauds have occurred.

October 1, 2024

RISK MANAGEMENT TOPICS – October 1, 2024

These Rule amendments are part of a larger Risk Management package intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after frauds have occurred.

June 21, 2024

MINOR RULES TOPICS

These changes will amend the Nacha Operating Rules to address a variety of minor issues and will become effective June 21, 2024.

March 17, 2023

Micro-Entries (Phase 2)

This Rule will define and standardize practice and formatting of Micro-Entries, which are used by some ACH Originators as a method of account validation. This phase of the Rule requires Originators of Micro-Entries to use commercially reasonable fraud detection, including the monitoring of Micro-Entry forward and return volumes.

September 30, 2022

Third-Party Sender Roles and Responsibilities

This Rule clarifies the roles and responsibilities of Third-Party Senders (TPS) in the ACH Network by addressing the existing practice of Nested Third-Party Sender relationships, and making explicit and clarifying the requirement that a TPS conduct a Risk Assessment.

September 16, 2022

Micro-Entries (Phase 1)

This Rule will define and standardize practices and formatting of Micro-Entries, which are used by some ACH Originators as a method of account validation.

June 30, 2022

Supplementing Data Security Requirements

This rule supplements previous ACH Security Framework data protection requirements by explicitly requiring large, non-FI Originators, Third-Party Service Providers (TPSPs) and Third-Party Senders (TPSs) to protect deposit account information by rendering it unreadable when it is stored electronically.

March 18, 2022

Increasing the Same Day ACH Dollar Limit

This rule will continue to expand the capabilities of Same Day ACH. Increasing the Same Day ACH dollar limit to $1 million per payment is expected to improve Same Day ACH use cases, and contribute to additional adoption.

September 17, 2021

Meaningful Modernization

These Rules intend to improve and simplify the ACH user-experience by: Facilitating the adoption of new technologies and channels for the authorization and initiation of ACH payments; Reducing barriers to use of the ACH; Providing clarity and increasing consistency around certain ACH authorization processes; and Reducing certain administrative burdens related to ACH authorizations

September 17, 2021

Minor Rules Topics

These changes will amend the Nacha Operating Rules (Rules) to address a variety of minor topics related to Meaningful Modernization, an ACH Operator edit and expiration of stop payments on non-consumer accounts.

June 30, 2021

Reversals and Enforcement

The overarching purpose of these two Rules is to deter and prevent, to the extent possible, the improper use of reversals and the harm it can cause.

The two Rules explicitly address improper uses of reversals, and improve enforcement capabilities for egregious violations of the Rules.

June 30, 2021

Limitation on Warranty Claims

The Limitation on Warranty Claims limits the length of time in which an RDFI will be permitted to make a claim against the ODFI’s authorization warranty. The rule will become effective June 30, 2021.

June 30, 2021

Supplementing Data Security Requirements (Phase 1)

The existing ACH Security Framework Rule — including its data protection requirements — will be supplemented to explicitly require large, non-FI Originators, Third-Party Service Providers and Third-Party Senders to protect deposit account information by rendering it unreadable when it is stored electronically.

April 1, 2021

Differentiating Unauthorized Return Reasons

This rule better differentiates among types of unauthorized return reasons for consumer debits. This differentiation will give ODFIs and their Originators clearer and better information when a customer claims that an error occurred with an authorized payment, as opposed to when a customer claims there was no authorization for a payment. ODFIs and their Originators should be able to react differently to claims of errors, and potentially could avoid taking more significant action with respect to such claims.

March 19, 2021

Expanding Same Day ACH

This rule expands access to Same Day ACH by allowing Same Day ACH transactions to be submitted to the ACH Network for an additional two hours every business day. The new Same Day ACH processing window became effective on March 19, 2021. Learn more about Same Day ACH with our Resource Center.

March 19, 2021

Supplementing Fraud Detection Standards for WEB Debits

The WEB Debit Account Validation Rule became effective March 19, 2021. The rule was originally approved by Nacha members in November 2018 to become effective January 1, 2020.