Future ACH audits will have three parts – here are the records you'll need for each
Based on our conversations with regulators and auditors, the new Nacha Rules will have a profound effect on future ACH audits. Records that were reasonably required but were often disregarded in past audits will have a new prominence given the New Rules. Here’s how to prepare for future ACH…
Preparing for June 22: How Forward Looking Banks Are Reading Nacha’s New Fraud Monitoring Rule
Over the past three months, the Lexalign team attended Nacha’s annual conference and several regional Payments Association events. The conversations at each returned to the same question: under the new Article 2 Fraud Monitoring Rule, where does the obligation sit, and what is enough to meet it?…
From Guidance to Enforcement: The Real Consequences of Not Preparing for Nacha’s Fraud Monitoring Rules
No bank wants to spend money on a new solution—especially in an environment where budgets are tight, headcount is constrained, and every investment must compete with growth initiatives. That reluctance is understandable. But as the Nacha Fraud Monitoring Rules move from guidance to enforcement,…
Nacha’s New “Attestation of Proof of Audit” Requirement — What It Means for ODFIs and TPSs
Last month, Nacha signaled another significant change in ACH compliance: in ACH Operations Bulletin 3-2025 (9/11/25), Nacha announced that ODFIs will be required to submit attestation of proof of annual rules compliance audits through Nacha’s new secure channel, as soon as this month (October…