• Nacha now requires Originators and Third-Party Senders to implement risk-based fraud monitoring procedures for ACH activity. The rule places greater emphasis on fraud detection at the point of origination, requiring organizations to maintain documented controls that are appropriate for their ACH activity and risk profile. These procedures must cover both ACH credits and debits and be reviewed annually. 
• Detailed Rule Summary: A practical overview of the rule change, key requirements and considerations for Originators. 
• ACH Fraud Monitoring Program Template: A resource to help Originators create, document and review their ACH fraud monitoring practices in response to the Nacha Rule. 
• Official Nacha Rule Information: Complete rule details, supporting resources and technical guidance from Nacha. 

Nacha now requires the use of standardized Company Entry Descriptions for certain ACH transactions. PPD credit entries used to pay wages, salaries or similar employee compensation must use "PAYROLL," while qualifying consumer e-commerce purchase transactions must use "PURCHASE." By standardizing how these transactions are identified, the rule helps improve transaction transparency and supports more effective risk management throughout the ACH Network. 

• Detailed Rule Summary: A practical overview of the rule change, key requirements and considerations for Originators.
• Official Nacha Rule Information: Complete rule details, supporting resources and technical guidance from Nacha.