Nacha 2026 Fraud monitoring rules

The Nacha 2026 Fraud Monitoring Rules represent a pivotal shift in ACH risk management, requiring community financial institutions to establish documented, risk-based fraud monitoring across all origination and receipt activity. These amendments—among the most significant in two decades—expand oversight to include socially engineered fraud and mandate ongoing program reviews. With automation, analytics, and case management, Abrigo’s BAM+ and Fraud Detection solutions help institutions meet compliance expectations while staying ahead of emerging fraud threats.

Key takeaways:

• Building a documented, risk-based monitoring framework that identifies and tracks unauthorized or deceptive ACH transactions.
• Integrating automated fraud detection and case management tools to streamline alerting, escalation, and reporting processes.
• Conducting annual program reviews and retrain staff to ensure monitoring practices evolve with new fraud tactics and Nacha standards.