Analysis - NACHA 2026 Rule Changes Explained

Описание: The ACH network is about to undergo one of its biggest shifts in decades, and many institutions aren’t fully prepared for what’s coming.


In this episode, we break down the 2026 Nacha Operating Rules, what they actually require, and why they represent a fundamental change in how fraud risk must be managed across the payment lifecycle. Instead of focusing only on unauthorized transactions, institutions will now be expected to proactively detect suspicious authorized payments driven by scams and social engineering.


This episode explores:

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Why “credit-push fraud” is driving these changes

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The biggest operational shift — new responsibilities for receiving banks

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How standardized transaction labels like PAYROLL and PURCHASE enable detection

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The tension between faster payments and proactive fraud prevention

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What happens if institutions fail to comply


This episode cuts through the regulatory language to explain what really changes on March 20, 2026, and why the future of banking may look less like a passive money mover and more like an active risk guardian.






Links


Nacha Operating Rules 2026: The Complete Guide


https://www.datavisor.com/intelligenc...






DEFEND Training


https://www.datavisor.com/defend-trai...


Transcript


https://www.datavisor.com/defend-podcast






Chapters


00:00 NACHA March 2026: What to Know


01:36 From ACH Fraud to Credit Push Scams


05:15 RDFIs, Mule Accounts & Liability


08:55 Data Hygiene & Real-Time Risk


11:41 AI, False Positives & Friction


12:39 Deadlines, Liability & Enforcement


15:04 Security vs Liberty: Final Thoughts