IMPORTANT NOTICE: The following mandatory NACHA rules affecting your organization are going into effect soon. Please be aware and prepared to comply.
Effective June 22, 2026:
• RULE 01 “FRAUD MONITORING”: New, phased risk-based fraud monitoring requirements for originators mandate proactive identification of suspicious, authorized, or fraudulent transactions. Evaluate internal controls for monitoring "red flags," such as sudden changes in vendor banking details.
ACTION TO TAKE: Annual Review of Fraud detection procedures must be reviewed and documented each year. To meet the new NACHA requirements, your business must assess its current fraud detection controls and may need to adopt additional or enhanced monitoring measures.
1. Always perform a validating callback to a trusted source when setting up a vendor account or changing banking information.
2. Do not trust the number provided in the request or rely on inbound phone calls.
3. Do speak with the requestor, do not settle for speaking with any employee.
4. Always confirm controls were executed and never presume a callback was performed.
For more information, please visit: https://www.jpmorgan.com/insights/payments/payables/prepare-for-the-2026-nacha-rule-changes
