Nacha's 2026 ACH Rule Changes: A Downloadable Guide

When we asked bankers at our recent Nacha webinar how ready they feel for the changes, 63% said they aren’t prepared. The challenge isn't awareness, it's knowing how to translate new rules into processes your team can actually run and defend.

This guide breaks down exactly what's changing, when it takes effect, and what your institution should be doing right now. Inside, you'll find a clear look at new ACH formatting requirements, expanded fraud monitoring expectations, and a practical playbook for building a program that works without over-engineering.

Whether your deadlines start in March or June, this guide gives you a realistic path forward.

Download the guide to get:

• A full timeline of 2026 milestones

• A breakdown of ODFI vs. RDFI responsibilities

• What regulators will actually be looking for

• A final readiness checklist your team can act on today

Meet the Authors:

Kristin Parker, SVP of Compliance & Operations

Kristin is a seasoned expert in BSA/AML and fraud prevention, with extensive experience building and implementing monitoring programs for higher-risk industries. She has contributed to significant updates in the FFIEC manual, provided practical, risk-based AML guidance at industry events, and played a key role in the development of RiskScout’s innovative, actionable BSA solutions. Recognized by her peers as PBC's Compliance Person of the Year, Kristin continues to champion efficient, technology-driven approaches that empower financial institutions to confidently manage regulatory requirements.

Ryan McInerny, Chief Product Officer

Ryan McInerny is the Chief Product Officer at RiskScout, where he is passionate about creating solutions to enhance the day-to-day lives of financial institution employees. He brings a wealth of regulatory and technical experience to his role as a former National Bank Examiner with the Office of The Comptroller of the Currency (OCC). At the OCC, Ryan was a member of the OCC’s northeast district committees for compliance and commercial credit, where he helped to identify changing industry trends and risk conditions. Ryan brings a strong business sense with his banking expertise, having received his Masters Degree in Business Analytics from UVA's Darden School of Business.