Credit-Push Fraud Monitoring Resource Center
The Fraud Monitoring Rule Changes are effective in 2026. These Rules require fraud monitoring by Originators, Third-Party Service Providers, Third-Party Senders and ODFIs that is intended to identify ACH credit Entries initiated due to fraud. In addition, RDFIs are required to implement risk-based processes and procedures intended to identify credit Entries initiated due to fraud. The Rules are neutral regarding specific methods or technologies used to identify fraudulently initiated credit transactions. Possibilities include:
- Velocity Checks.
- Anomaly Detection.
- Behavioral Tolerances.
- Pattern Recognition.
Additional Resources
2026 Fraud Monitoring Rule Changes
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. These amendments are related fraud monitoring by Originators, Third-Party Service Providers/Third-Party Senders and ODFIs and ACH Credit monitoring by RDFIs.
RMAG Guidance on Risk-Based Controls
Nacha’s Risk Management Advisory Group (RMAG) consists of risk management and compliance experts from financial institutions and payments associations. The group has published blogs and guidance to help FIs as they plan for implementation of the new fraud monitoring Rules.
- RMAG Offers Guidance for Risk-Based Controls to Address the Potential of Fraudsters Gaining Access to Illicit Funds.
- RMAG Guidance on ODFI Credit-Push Fraud Response Checklists.
- RMAG Guidance on RDFI Credit-Push Fraud Response Checklists.
- A Checklist Approach to Reduce Fraud in Payroll Origination.
- In the Fight Against Fraud, Nacha’s RMAG Urges Information Sharing.
Third-Party Service Vendors
Organizations may choose to contract with a company to provide fraud monitoring solutions. The below list provides some of the third-party vendors that offer fraud monitoring services.
Key: PP = Preferred Partner, PIA = Payments Innovation Alliance Member, NC = Nacha Certified
- ACI Worldwide. PP PIA
- Affirmative Technologies. PIA
- feedzai.
- Nasdaq Verafin.
- Orum. NC
- Q2. PP PIA
- Sardine. PP
- Socure.
- Splunk, a Cisco Company.
- The Federal Reserve Financial Services.
- Unit21.
- ValidiFi. PP PIA
Solution Providers: Please contact Nacha if you wish to be added or removed as a resource.
Alphabetical resource list is not inclusive or representative of any endorsement.
