Description:
The Nacha Operating Rules change every year, and 2027 and 2028 are no exception. Every participant in the ACH Network is required to follow the Rules, including the changes tied to IAT (International ACH Transaction) Entries, and that responsibility falls on RDFIs and ODFIs as well as originating companies.
This two-part series brings the changes together in one practical review. Part 1 (February 3) reviews the three major 2026 Rules changes, including fraud monitoring and funds availability, then covers the addition of the U.S. Treasury’s Bureau of the Fiscal Service to the ACH Contact Registry, the new requirement to register IAT contacts, and upcoming IAT formatting changes. Part 2 (February 4) covers the Same Day ACH dollar limit increase, the new return reason code R90 for sanctions compliance obligations, and three recent Nacha proposals that could shape future Rules changes. Examples throughout both sessions show what each amendment means in practice.
WHAT YOU’LL LEARN
- Review the major 2026 Rules changes and the addition of the Bureau of the Fiscal Service to the ACH Contact Registry.
- Meet the new IAT contact registration requirement and prepare for the March 2027 IAT formatting changes.
- Understand the Same Day ACH limit increase from $1 million to $10 million.
- Use new return reason code R90 for sanctions compliance obligations.
- Follow the recent Nacha proposals that could shape future Rules changes.
WHO SHOULD ATTEND
Financial institution operations staff (new and current), banking operations managers and supervisors, third-party processors, originating companies, compliance, risk, and audit professionals, treasury management professionals, and current or aspiring AAPs. This series is geared toward an intermediate to advanced audience.
Presenters:
Donna Olheiser
Donna K Olheiser, AAP, is the vice president of Education Services and founder of Dynamic Mastership, LLC. She is an enthusiastic and energetic Certified Master Trainer with over 14 years’ experience. She has over 23 years of experience in the financial services industry which includes 9 years’ experience as the education service director at a Regional Payments Association (RPA), where she managed and facilitated the entire education program for nearly 800 financial institution members. Prior to that, Ms. Olheiser spent 14 years in various departments with the Federal Reserve Bank of Minneapolis and also holds the Accredited ACH Professional (AAP) designation (achieved in 2004). Her extensive knowledge, enthusiasm, and passion for transferring payment processing knowledge using the adult learning theory is remarkable and has helped many payment professionals perform daily operational tasks including exception processing while remaining compliant with the NACHA Operating Rules. She uses scenarios and examples to bring the learning home, easy to comprehend and apply to real-life day-to-day ACH processing.
February 3, 2027