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Nacha’s Fraud Monitoring Phase 2 is now in effect as of June 19, 2026, and volume thresholds are gone—every participant is in scope. RDFIs, ODFIs, Originators, TPSPs, and TPS must have risk-based processes to identify unauthorized or false-pretense Entries.

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Phase 2 of Fraud Monitoring Rules in Effect Nacha's Fraud Monitoring Phase 2 is now in effect as of June 19, 2026. The primary difference between Phase 1 (effective March 20, 2026) and Phase 2 is that all volume thresholds have been removed. As a result, all participants are now subject to the fraud monitoring requirements, regardless of orig...