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.
Reversals and Enforcement
The overarching purpose of these two Rules is to deter and prevent, to the extent possible, the improper use of reversals and the harm it can cause.
The two Rules explicitly address improper uses of reversals, and improve enforcement capabilities for egregious violations of the Rules.
Limitation on Warranty Claims
Supplementing Data Security Requirements (Phase 1)
Differentiating Unauthorized Return Reasons
This rule better differentiates among types of unauthorized return reasons for consumer debits. This differentiation will give ODFIs and their Originators clearer and better information when a customer claims that an error occurred with an authorized payment, as opposed to when a customer claims there was no authorization for a payment. ODFIs and their Originators should be able to react differently to claims of errors, and potentially could avoid taking more significant action with respect to such claims.
Expanding Same Day ACH
This rule expands access to Same Day ACH by allowing Same Day ACH transactions to be submitted to the ACH Network for an additional two hours every business day. The new Same Day ACH processing window became effective on March 19, 2021.
Learn more about Same Day ACH with our Resource Center.
Supplementing Fraud Detection Standards for WEB Debits
The WEB Debit Account Validation Rule became effective March 19, 2021. The rule was originally approved by Nacha members in November 2018 to become effective January 1, 2020.