Most banks didn’t choose their current ACH setup so much as inherit it – patched together over years, good enough to keep transactions moving, but never really built for what fraud looks like today.
The ACH network moved $93 trillion across 35.2 billion payments in 2025, but the threat it defends against has changed faster than the systems defending it. Credit push fraud now dominates, and because these payments are technically authorized, traditional debit-focused controls don’t catch them. Nacha’s response is the most significant overhaul of ACH risk governance in decades – and for the first time, receiving institutions carry real monitoring obligations too.
In this report, built from an American Banker webinar with leaders from Nacha, Capital One, and Finzly, you’ll get a straight read on where ACH actually stands and what your institution needs to do next.
Inside the report:
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- Uncover the new fraud landscape and why traditional ACH controls are no longer enough.
- Get ahead of the 2026 Nacha rule changes with a practical breakdown of Phase 1, Phase 2, and examiner expectations.
- Identify the operational gaps that are quietly driving manual work, costs, and compliance risk.
- See how modern ACH infrastructure can streamline operations, reduce exceptions, and improve resilience—without a costly core replacement.
Get the report if you’re navigating ACH compliance, fraud strategy, or infrastructure decisions – and you’re looking for what to actually do next, not just what’s required.
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