NACHA’s 2026 fraud rule changes are coming quickly.
Are you ready?
Learn what’s changing for RDFIs, ODFIs, TPSs, and TPSPs—and how Unit21 empowers you to detect, monitor, and act on ACH fraud with confidence.
NACHA RULE SUMMARY
What’s new in March 2026
The NACHA 2026 Fraud Monitoring Rule expands compliance expectations across the ACH ecosystem—making proactive fraud monitoring mandatory for a wider group of institutions. Here’s what’s changing.
OUR SOLUTION
Unit21 helps RDFIs detect fraud using fuzzy matching, entity-level monitoring, and real-time velocity checks.
OUR SOLUTION
Unit21 enables you to integrate originator risk scoring (CRR), build adaptive rules, and automatically trigger alerts on abnormal behavior.
OUR SOLUTION
Unit21’s platform supports TPSP-specific rule customization, behavioral tracking across entities, and real-time visibility into origination risk.
Book a NACHA Strategy Session
Book a demoEDUCATIONAL RESOURCES
Get informed & stay compliant
PRODUCT DEMO
Navigating NACHA’s 2026 Operating Rules With Unit21
Through real-world examples and actionable frameworks, we'll unpack common ACH fraud typologies and demonstrate how modern rule engines can deliver effective, real-time detection without engineering overhead.
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RDFIs Under Pressure. What this means for your business
Understand why RDFIs are now expected to act, not just receive, and how to detect fraud before funds are withdrawn.
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ODFIs, TPSs & TPSPs: New Frontline Responsibilities
Learn how to build a proactive, scalable fraud monitoring program using segmentation, risk scoring, and no-code detection rules.
FREQUENTLY ASKED QUESTIONS
NACHA’s 2026 rule changes
Do I need to monitor every ACH transaction?
What qualifies as a TPSP under this rule?
How fast can Unit21 help me deploy rules?
What if I’m both an ODFI and an RDFI — do I need two separate monitoring systems?
How does Unit21 help with originator risk assessments?
What are the consequences of non-compliance with the 2026 rule?
What kind of fraud patterns should I be monitoring for?
Book a NACHA strategy session
Book a 30-minutes strategy session with our Head of Fraud Risk to discuss the rule changes and how Unit21 can help you adapt your fraud strategies.