Business-to-business check payments have plummeted over the past two decades, new research shows.

Direct Deposit remained the clear choice for Americans on payday, a new survey found.

Nacha has submitted comments to the Federal Reserve, the Office of the Comptroller of the Currency (OCC), and the Federal Deposit Insurance Corporation (FDIC) in response to the Request for Information on Potential Actions to Address Payments Fraud.

On July 18, 2025, President Donald Trump signed the GENIUS Act (Guiding and Establishing National Innovation for U.S. Stablecoins) into law—the first federal framework for payment stablecoins in the United States.

There’s a lot of talk lately about stablecoins, especially after the GENIUS Act was signed into law in July. But just what is stablecoin? And where does ACH fit in? 

Third parties are already a significant part of the ACH Network, and, if anything, as the network grows their roles are only likely to increase.

Nacha just published its Operations Bulletin #2-2025.

Members of Nacha’s Risk Management Advisory Group (RMAG) have noticed an increase in first-party fraud at their institutions, and Nacha representatives are fielding more questions on first-party fraud from other participants on the ACH Network.

The speed and scale of modern payment systems demand optimized operations. Yet many back-office workflows still rely on manual intervention for exception handling, returns and reconciliation.

With less than a year to go before new Nacha Rules take effect in March 2026, the time is now for financial institutions to be talking to their Originators about making sure they’re compliant on day one—or, even better, well in advance.

In today's fast-paced digital economy, speed is no longer a luxury—it’s an expectation.

Every day across the U.S., lots of healthcare professionals receive lots of insurance payments, and new Nacha research shows there’s one common thread.

If the phrase “proof of audit” sends shivers down your spine, now’s the time to get your house in order, because Nacha is on the verge of ramping up enforcement. 

There are multiple reasons why Nacha’s new fraud monitoring rules are important, but perhaps nothing brings the point home better than a story William Mills told at Smarter Faster Payments Remote Connect 2025.

If you’re of a certain age and spent Saturday mornings in front of the TV, you probably remember “I’m Just a Bill” from “Schoolhouse Rock!” explaining how bills become laws.

Nacha’s Risk Retreat is not your typical learning experience. 

NEW ORLEANS—Financial inclusion is an issue getting a lot of attention from regulators, lawmakers, bankers and others. Could digital assets be at least part of the solution? 

If your bank or credit union has an item to return, wouldn’t you want it out the door ASAP? It can be done. Returns can go right out using same day processing windows. But that capability is being underutilized, and misconceptions appear to be a major reason why.

NEW ORLEANS—Open banking has a lot of moving parts, but at the end of the day it might well come down to two words: consumer acceptance. 

NEW ORLEANS—If ever there was a case where misery loves company, it’s fraud.

“Fraud is a global issue. I think we all know it’s not just a domestic one in payments,” said Jane Larimer, Nacha President and CEO.