Effective Date

Rule Amendments

April 1, 2025

• RDFIs must respond to an ODFI’s Request for Return within 10 Banking Days

March 20, 2026

• Fraud Monitoring by ODFIs
• Fraud Monitoring by large Originators, TPSPs, and TPSs (Phase 1)
• ACH Credit Monitoring by large RDFIs (Phase 1)
• New Company Entry Descriptions – PAYROLL and PURCHASE

June 22, 2026

• Fraud Monitoring by all other Originators, TPSP, and TPS
• ACH Credit Monitoring by all other RDFIs