Data-Driven Finance: The Financial Intelligence Podcast ACH Rules with Nacha's Amy Morris
Dec 10, 2025
In this engaging conversation, Amy Morris, Senior Director at Nacha, dives into the evolving landscape of ACH network rules. With over 15 years in electronic payments, she shares insights on upcoming changes, including a new risk-management package and key compliance deadlines for financial institutions. Amy explains the public rulemaking process and discusses how data and AI are transforming payment behaviors. She provides essential advice for institutions to navigate challenges while adapting to the growing demands of digital transactions.
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Risk Rules Aim At Recovery And Prevention
- Recent NACHA rule changes focus on both tools to recover from fraud and prevention of questionable entries.
- The 2024 package expanded time and clarity for returns and recovery while 2026 targets reducing questionable transactions.
Get 2026 Risk Controls In Place
- Prepare risk-based processes by March 2026 if you are an ODFI or a large originator and by June 22, 2026 if smaller.
- Implement monitoring procedures for RDFIs on incoming ACH credits within the same phased timelines.
Key Rule Dates To Calendar
- Watch dates: IAT definition changes on Sep 18, 2026; new IAT fields and ACH contact registry updates in 2027; R16 split by Mar 17, 2028.
- Make funds available for non-same-day ACH credits by 9 a.m. on settlement date per the new rule.