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NACHA automates request for proof of an ACH Rules compliance audit

September 15, 2025 //  by Finnovate

For over a decade, Nacha has been contacting financial institutions to request proof of an ACH Rules compliance audit of the financial institution and, if applicable, its Third-Party Senders, in accordance with Article One, Subsection 1.2.2 (Audits of Rules Compliance). Until now, this has been a manual process, which has limited the number of participants contacted. Beginning in October 2025, automation of this process through Nacha’s Risk Management Portal (riskmanagementportal.nacha.org) will enable Nacha to contact more financial institutions. Automated outreach and response also aligns with Nacha’s recent Operations Bulletin #2-2025, “Encouraging the Use of Secure Electronic Channels for Resolving ACH Exceptions.” Use of the Portal to facilitate the delivery of proof-of-audit requests and attestations will provide greater security for the information being exchanged. By contacting more financial institutions each quarter, and by using a secure channel for requests and responses, the process is becoming more efficient, inclusive, and accountable. The rule requiring Participating Depository Financial Institutions (DFIs) and Third-Party Senders to perform an annual audit has long served as a critical tool for assuring compliance with the Nacha Operating Rules. Compliance contributes to operational soundness among financial institutions and Third-Party Senders.

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Category: Networks Processors & PSPs, Innovation Topics

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