New NACHA Operating Rules Changes In 2024 PLUS Insight Into 2026 Changes

Each participant in the ACH Network is required to follow the NACHA Operating Rules and be compliant. Minor topics changes included within these updated Rules:

  • General Rule for WEB Entries
  • Definitions of Originator
  • Originator Action on Notification of Change
  • Data Security Requirements
  • Use of Prenotification Entries
  • Clarification of Terminology – Subsequent Entries

PLUS - Effective on Oct 1, 2024, are Rules changes as part of a larger Risk Management package intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after frauds. Included in this portion of the Risk Management Rule amendments are:

  • Codifying Expanded Use of Return Reason Code R17
  • Expanded Use of ODFI Request for Return/R06
  • Additional Funds Availability Exceptions
  • Timing of Written Statement of Unauthorized Debit
  • RDFI Must Promptly Return Unauthorized Debit

The session includes an overview with a brief explanation of Rules to come in 2026 on Risk Management topics.

To remain in compliance with the Rules, participants in the ACH network need to ensure they are up to date on recent changes and newly approved amendments to the Rules.

Whether it’s the minor Rule changes that are expected to have little impact on ACH participants and no significant processing or financial impact, it is still important to ensure you comply!

The Risk Management topics will improve recovery of funds in fraud situations, these are a NEED to KNOW!  Your ACH operations process is changing!  Register Today to ensure YOUR compliance with the most RECENT updates to the Nacha Operating Rules!

• Define minor topic changes to the NACHA Operating Rules that have little impact on operations, but are still a need to know!
• Identify the changes to the NACHA Operating Rules intended to reduce the incidence of successful fraud attempts and improve the recovery of funds after the frauds have occurred
• Discussion on the expansion of Return Reason Codes R06 and R17
• Updates to the WSUD and the timing for the RDFI to Return an Unauthorized Transaction
• Details on updates to Funds Availability Exceptions
• Overview of upcoming Risk Management Rules Changes-2026

New changes to the NACHA Operating Rules include "minor" Rule changes - effective June 21, 2024 (no major impact on operations but a must-know to remain in compliance - by knowing what they are clarifying in the minor Rule change topics). 

In addition, Risk Management Topics - effective Oct 1, 2024 (covering topics that were proposed before but now really happening) - such as "Expanded use of Return Reason Codes R06 and R17"; "funds availability exceptions" and "Unauthorized Return changes for the RDFI with the timing of the WSUD and returning the unauthorized transaction". Outline of upcoming rule changes in 2026!