Nacha Has Proposed Rule Changes on ACH Fraud
The governing body for automated clearinghouse payments is seeking industry feedback on how to handle first-party fraud.
Updated on Oct. 13, 2026 in Banking
Live Poll
Do you trust your financial institution to proactively protect your account from fraudulent debits?
Nacha has requested feedback from the financial industry regarding the scope of first-party fraud and a potential amendment to its Operating Rules. The proposed change addresses the obligations of financial institutions when recrediting consumer accounts after a claim of unauthorized debit.
Why it matters
The proposal aims to clarify institutional responsibilities regarding the recrediting of consumer accounts following unauthorized debit claims. These rules influence how banks and credit unions manage fraud disputes, impacting the speed and certainty of resolution for account holders.
Nacha is currently seeking feedback on an amendment to the ACH Operating Rules concerning unauthorized debit claims. The ultimate impact on recrediting processes for account holders will depend on the final rule adoption following the comment period.
The players
Nacha
This organization governs the automated clearinghouse network which handles the processing of electronic payments for consumer bank accounts.
America's Credit Unions
This trade association represents credit unions and is currently reviewing the proposed rule changes for potential impact on member institutions.
The details
The proposed rule change specifically targets the obligation of Receiving Depository Financial Institutions to recredit consumer accounts when a Written Statement of Unauthorized Debit is filed. By seeking industry feedback, Nacha is evaluating how to define the scope and mitigation strategies for first-party fraud. This process could alter the internal protocols financial institutions use to investigate and settle disputed transactions on the electronic payments network.
Timeline
Dec. 11, 2026 is the deadline for ACH participants to submit their official comments.
Money Landscape
This proposal marks an update to the established Nacha Operating Rules regarding how financial institutions handle unauthorized transaction claims. It represents a focused effort by the network to address evolving fraud patterns within the current electronic payments environment.
The proposed rule changes regarding recrediting could influence how banks process your future claims of unauthorized debits. Consumers should monitor their account statements regularly and contact their financial institution if they suspect any unauthorized electronic activity.
The takeaway
These changes could refine the processes institutions follow when settling consumer fraud claims. Keep a record of all transaction disputes and consider speaking with your bank or a financial professional if you have concerns regarding your account security or dispute policies.
Further reading
For more on how payment regulations affect your account protections, visit the Banking section.
Source note: This article includes information reported by CUToday.
Live Poll
Do you trust your financial institution to proactively protect your account from fraudulent debits?
