Educating your ACH Originators on Nacha's Fraud Monitoring Rules is a great start, but will it be enough for the audit?
Most FIs have focused on general education and customer communications in 2026 — mailers, emails, web pages, sharing the Nacha Rulebook, alerts in online banking. Far fewer can show what their Originators did with that information. The changes in effect from June 22, 2026 Phase 2 of the Nacha…
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…
A Simple Explanation of the Nacha Fraud Monitoring Rule for your Originators
Explaining the Nacha Fraud Monitoring Rule to your ACH Originators. The first step to Originator compliance. Interpreting the new Nacha Fraud Monitoring Rules can be challenging, even for compliance professionals who work with the Rules every day. For your business and commercial customers – your…
How Originator Operational Compliance Impacts Your Financial Institution
Regulators Only Have Eyes for You Phase 2 of Nacha's 2026 Fraud Monitoring Rules is now in effect. The Rule requires your Originators to detect signals of fraud: unauthorized transactions and transactions authorized under “False Pretenses.” That obligation lands on them. But when the auditor or…
Nacha's Phase 2 Is Here: What Changed on June 22 and What Your ACH Program Needs Now
What Financial Institutions Will Need for Audits and Exams. Written by Trevor Lain, JD | Founder & CEO, Lexalign The effective date for Phase 2 of Nacha’s 2026 Fraud Monitoring Rules, June 22nd, has finally arrived. What does this mean in a nutshell? Auditors and…
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?…
The Nacha Fraud Monitoring Rules Apply to Every Non-Consumer Originator — Not Just Third-Party Senders
One of the most common questions we hear from financial institutions right now is some version of this: “Do these rules really apply to all of our commercial ACH Originators?” The answer is yes — and we’re here to help you navigate that. The Nacha Fraud…
Nacha's Fraud Monitoring Rules Reframe the Fight: Your Customer Is Now the Front Door
Fraud in payments hasn't just increased—it has migrated. For years, banks built defenses around the institution: tighter internal controls, better transaction monitoring, stronger back-office processes, and more sophisticated tools at the ODFI and RDFI. Those investments still matter. But Nacha is…
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,…
What “Risk-Based” Really Means Under Nacha’s Fraud Monitoring Rules
What “Risk-Based” Really Means Under Nacha’s Fraud Monitoring Rules (And What It Doesn’t) Written by Julie Goff, JD, Head of Operations, Lexalign When Nacha introduced its new Fraud Monitoring Rules, one phrase immediately became central—and, for many banks, confusing: “risk-based”…