Nacha Operating Rules Changes for 2026 & Beyond (2-Part Series)

Two-Part Virtual Training Series

Part 1: January 29, 2026 (2:00–4:00 PM ET)

Part 2: February 3, 2026 (2:00–4:00 PM ET)

The Nacha Operating Rules continue to evolve—bringing significant changes in 2026 and beyond that will impact all ACH participants. This two-part webinar series equips ODFIs, RDFIs, Originators, Third-Party Service Providers, and compliance professionals with a clear understanding of what’s changing, who is affected, and how to ensure full compliance.

When you participate in this series, you will gain:

• A comprehensive understanding of the new Risk Management and Fraud Monitoring Rule amendments (Phases 1 & 2) effective in 2026—what’s required, who is covered, and threshold requirements
• Guidance on complying with Standardized Company Entry Descriptions, new Funds Availability rules, and ACH monitoring expectations
• Clarity on the revised definition and handling of IAT (International ACH Transaction) entries, new formatting requirements, and how to register IAT contacts
• Insight into the new ACH Return Reason Code (R90) for sanctions compliance, plus related operational impacts
• Practical examples, implementation considerations, and process checkpoints for internal reviews, vendor expectations, staff training, and documentation

Part 1 — January 29, 2026

Focus: 2026 Risk Management and Operational Rule Changes.

Part 1 examines the major changes effective in 2026, including:

Risk Management Package: Fraud Monitoring & Credit Monitoring

• Phase 1 (Effective March 20, 2026): New monitoring requirements for ODFIs, Originators, Third-Party Senders, and RDFIs meeting certain thresholds
• Phase 2 (Effective June 22, 2026): Expands the monitoring obligations to remaining ACH participants
• Clarifying expectations for “commercially reasonable” fraud detection systems and “reasonably intended to identify” fraudulent patterns
• Annual review, system documentation, and process validation requirements

Standardizing Company Entry Descriptions (Effective March 20, 2026)

• New ACH descriptors: PAYROLL and PURCHASE
• How standardized descriptions improve risk oversight, tracking, and compliance

Funds Availability Requirements (Effective September 18, 2026)

• New requirements for non–Same-Day ACH Credit Entries

Includes discussion of 2025 Nacha Operations Bulletins #1, #2, and #3.

Part 2 — February 3, 2026

Focus: IAT (International ACH Transactions) and Rules Amendments for 2026–2028

Part 2 covers the critical IAT-related changes and compliance expectations extending through 2028:

IAT Definition Clarification (Effective September 18, 2026)

• Expanded definition to improve accuracy in determining when an entry qualifies as IAT

Registration of IAT Contacts (Effective January 1, 2027)

• Requirement to include IAT-specific contacts in the ACH Contact Registry

IAT Formatting and Processing Changes (Effective March 19, 2027)

• New optional fields, including Date of Birth
• Updates for handling entries involving non-bank foreign financial agencies

New Return Reason Code R90 (Effective March 17, 2028)

• Designed specifically for returns related to sanctions compliance

Who Should Attend?

This series is ideal for:

Financial Institution Professionals • ACH Operations Staff • Originators • Third-Party Providers • Treasury Management • Risk & Compliance Officers • Audit Personnel • Supervisors • Managers • AAP Candidates

This series will ensure you fully understand the new Nacha expectations, know who is impacted, and have practical guidance to update your risk management, compliance, operations, and documentation – before the deadlines arrive.