Nacha Rules Compliance for ACH Fraud Prevention

This document is a guide detailing the new Nacha rules aimed at helping receiving depository financial institutions (RDFIs) detect customer fraud through the ACH Network. It outlines the compliance requirements that RDFIs must meet by the March 20, 2026 deadline. The guide describes the necessity for RDFIs to establish and implement risk-based processes to monitor incoming ACH credit transactions, identifying them as either unauthorized or authorized under false pretenses. It explains the importance of monitoring account profiles, transaction histories, and payment velocities to detect anomalies. Additionally, the document discusses the availability exceptions that allow RDFIs to delay questionable entries for investigation. The guide also presents Nasdaq Verafin’s ACH Fraud Solution, which is designed to assist RDFIs in meeting these compliance requirements through advanced analytics and AI-driven insights, ensuring preparedness for the upcoming deadline.