Posted On: June 5, 2026 by Austin Bank in:
Important Message to ACH Originators
The National Automated Clearing House Association (Nacha) has adopted two ACH Rule amendments that become effective in 2026. We previously notified you of the first amendment in March. This communication provides information regarding the second amendment, which becomes effective June 22, 2026.
Amendment Two: Fraud Monitoring Requirements for ACH Originators
Effective June 22, 2026, NACHA will require ACH Originators to establish and maintain risk-based processes and procedures designed to identify ACH transactions that may be unauthorized or authorized under false pretenses.
What This Means for Your Organization
NACHA recognizes that fraud risks vary by organization. Rather than prescribing specific controls, the rule requires each ACH Originator to assess its risks and implement procedures that are appropriate for its business, ACH activity, and operational environment.
What You Should Do
Identify Risks
Review your ACH origination processes and evaluate where fraud risks may exist. Examples include social engineering schemes, business email compromise, employee or vendor impersonation, and unauthorized changes to payment instructions.
Implement Appropriate Controls
Establish and maintain procedures designed to reduce identified risks. Examples may include:
- Verifying requests to change employee or vendor banking information using a call-back to a trusted phone number or other independent verification method
- Requiring dual control or approval for ACH transactions and changes to payment information
- Providing employee training on phishing, social engineering, and other fraud schemes
- Monitoring access to ACH systems and online banking platforms
Monitor and Review
Regularly review ACH activity for unusual or suspicious transactions. In addition, review and update your fraud prevention procedures at least annually to address evolving risks and changes within your organization.
Why This Matters
The purpose of this amendment is to help reduce fraudulent transactions within the ACH Network. Strong fraud prevention practices not only support compliance with NACHA Rules but also help protect your organization from financial loss, operational disruption, and reputational risk.
Thank you for your attention to this important matter.
Should you have any questions, pleae reach out to our Treasury Support Team at treasurysupport@austinbank.com or 903.295.4444.
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