Description
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
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
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
* Please note that the recording links will be delivered to you via a downloadable PDF in your confirmation e-mail. The PowerPoint that corresponds with the recording will be automatically delivered upon purchasing via email from the website.
