Do RDFIs Need ACH Fraud Monitoring in 2026?

Do RDFIs Need ACH Fraud Monitoring in 2026?

Yes. RDFIs should evaluate inbound ACH credit activity for suspicious behavior and fraud indicators. Updated expectations expand focus beyond origination risk alone.

RDFI Monitoring Examples

  • New account incoming credits
  • Mule account behavior
  • Immediate cash-out patterns
  • Elder exploitation indicators
  • Unusual inbound transaction spikes

 

ACH RiskLens Fraud Monitoring Rules Webinars