NACHA Rule Changes

Effective: 2028-03-17 This rule will create a new return reason code (R90) to support an RDFI’s decision to return an entry in compliance with sanctions obligations. This rule also expands Article Three, Section 3.8 (RDFI's Right to Transmit Return Entries) to adopt a unique return time frame for returns related to sanctions compliance obligations. DetailsCurrently, Return Reason Code R16 is defined for use as “Account Frozen/Entry Returned Per OFAC Instruction.” The meanings of these two reasons are... Read More

Effective: 2027-03-19 This set of Rules includes two amendments: Optional Date of Birth Field for IAT Entries and Non-Bank Foreign Financial Agencies in IAT Entries. These new Rules align with Nacha’s strategies and objectives for the ACH Network to improve the ACH user experience, increase awareness and understanding of ACH capabilities, and improve data flows for ACH payments. DetailsOptional Date of Birth Field for IAT Entries This rule will designate an optional field for the... Read More

Effective: 2027-01-01 This Rule will require a Participating DFI to register their IAT- handling contact with either: The name, title, email address, and phone number for at least one primary and one secondary contact person for the area of responsibility; orDepartment contact information that includes an email address and a working telephone number. DetailsThis Rule will require a Participating DFI to register their IAT- handling contact with either: The name, title, email address, and phone... Read More

Effective: 2026-09-18 Industry participants have indicated difficulty in understanding the existing definition of IAT. The intent of this rule is to provide more clarity for users when making IAT determinations. DetailsThis new language will replace the existing definition of IAT with the following: SECTION 8.55 “International ACH Transaction” or “IAT Entry” or “IAT” “an Entry that is the U.S. ACH network component of an international payment transaction. For purposes of this definition, an international payment transaction... Read More

Effective: 2026-09-18 This rule will eliminate the 5:00 pm local time receipt condition, so that funds availability would be required at 9:00 am (in the RDFI’s local time) on Settlement Date for all non-Same Day ACH credits. DetailsThis rule will eliminate the 5:00 pm local time receipt condition, so that funds availability would be required at 9:00 am (in the RDFI’s local time) on Settlement Date for all non-Same Day ACH credits. TechnicalEffective Date –... Read More

Effective: 2026-06-19 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. DetailsIncluded in this portion of the Risk Management Rule amendments are the Phase Two requirements related to: Fraud Monitoring by Originators, Third-Party Service Providers/Third Party Senders and ODFIs; andACH Credit Monitoring... Read More

Effective: 2026-03-20 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. DetailsIncluded in this portion of the Risk Management Rule amendments are the Phase One requirements related to: Fraud Monitoring by Originators, Third-Party Service Providers/Third Party Senders and ODFIs; andACH Credit Monitoring... Read More

Effective: 2026-03-20 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. DetailsStandardized uses of the Company Entry Description can help parties in the ACH Network identify, monitor and count the volume of payments for specific purposes; and can help manage risk. Included... Read More

Effective: 2026-01-01 Network Administration FeesThe Nacha Operating Rules require each Participating Depository Financial Institution that transmits or receivesACH entries (commercial and Federal Government) to pay an annual fee and a per-entry fee to cover costs associatedwith the administration of the ACH Network. These Network Administration Fees apply to all entries subject to therequirements of the Nacha Operating Rules, whether such entries are transmitted via an ACH Operator, sent directlyfrom one Participating DFI to another, or... Read More

Effective: 2025-08-14 SummaryFor decades, the business world has used unencrypted electronic mail and fax machines to resolve disputes and transmit images of documents. Related to ACH processing, such interactions and business documents often contain details necessary to resolve an exception that prevented straight-through processing of an ACH payment, or to process a request or claim regarding an ACH payment. For example, an Originating Depository Financial Institution (ODFI) might need to provide proof of a consumer’s... Read More