This year Nacha is implementing the following fraud monitoring rules in two phases: 

• Subsection 2.2.4 Identification of Unauthorized Entries or Entries Authorized Under False Pretenses
• Subsection 3.1.10 Identification of Unauthorized Credit Entries or Credit Entries Authorized Under False Pretenses

The implementation date for Phase 1 is March 20, 2026, for:

• ODFIs 
• Originators, Third-Party Service Providers, and Third-Party Senders with volumes of 6 million items or more in 2023 
• RDFIs with volumes of 10 million items or more in 2023

The implementation date for Phase 2 is June 22, 2026, for everyone else not included in Phase 1.

Download our guidance document from the Fraud Forum to better understand the responsibilities of each participant under these rules and best practices for implementation of the changes (Fraud Forum login required).

To learn more, register for our final Payments Systems Update session of the year, held virtually on March 10.