Risk Management Package Effective Monday, June 22, 2026

Why Compliance Matters

ACH fraud continues to rise, and NACHA’s 2026 Risk Management Rules are designed to help organizations stop fraudulent payments before money leaves the business.

Non-compliance can result in audits, penalties, and increased scrutiny, but the bigger risk is fraud itself. A single fraudulent payment can lead to financial loss, operational disruption, and a loss of trust with suppliers, customers, and stakeholders.

As the June 22, 2026 deadline approaches, organizations must be prepared to demonstrate that they have effective, documented controls in place to identify and prevent ACH fraud.

What is the June 2026 Nacha Rule Update?

Phase 2 of Nacha’s Risk Management package extends fraud monitoring obligations to all remaining ACH participants, regardless of transaction volume. While Phase 1 (March 20, 2026) applied to large-volume Originators and ODFIs, Phase 2 covers every non-consumer Originator, Third-Party Service Provider, Third-Party Sender, and RDFI.

Tip 1: Validate Supplier and Payment Data Before Payments Are Created

NACHA’s 2026 rules require organizations to maintain risk-based processes designed to identify and prevent fraud. While many organizations focus on monitoring transactions after they occur, the strongest controls begin much earlier.

Fraud often starts with a compromised supplier record, an unverified bank account change, or inaccurate payment data. By validating supplier information before payments are processed, organizations can reduce fraud risk, strengthen internal controls, and create a more reliable foundation for ongoing monitoring.

• Validate supplier identities and banking information before payments are created
• Verify bank account ownership and account status to reduce payment fraud risk
• Continuously monitor critical supplier data for changes that may introduce risk

Tip 2: Make Compliance Defensible

NACHA increasingly expects organizations to prove that fraud controls are operating as intended. That means moving beyond spreadsheets, screenshots, and manual reviews toward documented, repeatable processes that create a clear record of how risk is managed.

Organizations with strong controls don’t scramble for evidence during an audit. They have validation histories, monitoring records, and audit trails built directly into their workflows.

• Document validation and monitoring activities
• Review controls regularly and retain supporting records
• Maintain audit-ready evidence of fraud prevention efforts

Tip 3: Continuously Monitor Supplier Risk

Fraud risk doesn’t end after onboarding. Bank accounts change, businesses evolve, and sanctions lists are updated every day. A supplier that passed validation six months ago may present new risks today.

NACHA’s 2026 rules reinforce the need for ongoing fraud monitoring and risk management. Organizations should continuously validate critical supplier and payment data to identify changes before they lead to payment errors, compliance issues, or fraudulent transactions.

• Continuously monitor supplier and payment data for changes
• Revalidate bank accounts, ownership, and sanctions exposure on a recurring basis
• Identify emerging risks before they impact payments or compliance

How AI and Automation Strengthen Fraud Prevention

As fraud tactics evolve, manual reviews and one-time validations become increasingly difficult to maintain at scale. AI and automation help organizations identify risk earlier, reduce manual effort, and create more consistent controls across supplier and payment workflows.

Ready to Simplify Compliance?

Fraud doesn’t start with a payment. It starts with bad data.

As organizations prepare for NACHA’s 2026 Risk Management Rules, the ability to trust supplier and payment data has never been more important. Relish Data Assure helps organizations validate critical supplier information, continuously monitor for risk, and maintain audit-ready controls that support fraud prevention efforts.

By preventing bad data from entering your systems, Relish helps reduce payment fraud, strengthen compliance programs, and give organizations greater confidence in every payment they make.

Learn more about the Nacha June 2026 Rule Amendment and Relish Data Assure.