What’s Changing with the New Nacha Rules?

On October 1, 2024, Nacha rolled out critical rule changes aimed at bolstering fraud detection and risk management across the Automated Clearing House (ACH) network, particularly in addressing credit-push payment fraud. This change signifies a pivotal shift for community banks, credit unions, and small to mid-size financial institutions (FIs), which must quickly adapt to meet these new requirements. Although the rule is framed around fraud detection, it has broader implications for operational processes and technology infrastructure that cannot be ignored.

The impending changes highlight the need for advanced, scalable solutions to manage fraud detection, case management, and regulatory compliance.

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What’s Changing with the New Nacha Rules?

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