Nacha Operating Rules - New Rules
The Nacha Operating Rules are the foundation for every ACH payment. By defining the roles and responsibilities of financial institutions and establishing clear guidelines for each Network participant, the Rules ensure that millions of payments occur smoothly and easily each day. All Rules are displayed by effective date.
RISK MANAGEMENT TOPICS - October 1, 2024
These Rule amendments become effective on Oct 1, 2024 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.
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.
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.
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.
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.
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.
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.
Micro-Entries (Phase 2)
Third-Party Sender Roles and Responsibilities
Micro-Entries (Phase 1)
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.
Increasing the Same Day ACH Dollar Limit
Meaningful Modernization
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.