AML & Compliance
What is Nacha compliance?
Adherence to the rules and operating guidelines established by Nacha (formerly the National Automated Clearing House Association), which governs the ACH network in the United States. Nacha rules cover authorization requirements, data security, fraud monitoring, and return processes for ACH transactions. Recent rule changes have expanded fraud monitoring obligations, requiring originating and receiving financial institutions to monitor ACH transactions for fraudulent activity.
How it works
Example: Following Nacha’s 2026 rule updates, a credit union implements real-time monitoring on inbound ACH credits to detect potentially fraudulent transactions before they settle, significantly reducing fraud losses on unauthorized transfers.


