Data-Driven Finance: The Financial Intelligence Podcast ACH Rules with Nacha's Amy Morris
Dec 10, 2025
In this engaging conversation, Amy Morris, Senior Director at Nacha, dives into the evolving landscape of ACH network rules. With over 15 years in electronic payments, she shares insights on upcoming changes, including a new risk-management package and key compliance deadlines for financial institutions. Amy explains the public rulemaking process and discusses how data and AI are transforming payment behaviors. She provides essential advice for institutions to navigate challenges while adapting to the growing demands of digital transactions.
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NACHA's Dual Role Explained
- NACHA administers ACH rules, enforcement, and risk management while operators actually process transactions.
- The association side provides industry education, networking, and innovation forums for payments participants.
Risk Rules Aim At Recovery And Prevention
- Recent NACHA rule changes focus on both tools to recover from fraud and prevention of questionable entries.
- The 2024 package expanded time and clarity for returns and recovery while 2026 targets reducing questionable transactions.
Get 2026 Risk Controls In Place
- Prepare risk-based processes by March 2026 if you are an ODFI or a large originator and by June 22, 2026 if smaller.
- Implement monitoring procedures for RDFIs on incoming ACH credits within the same phased timelines.