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. First-party fraud comes in many forms, but the two most concerning to RMAG member financial institutions and their customers are account opening schemes and false claims fraud. Two reasons commonly suggested by banks for the rise are: 1) unethical social media influencers that mislead consumers and provide “hacks” to get money back on a payment or transfer; and 2) fraudsters that abuse consumer protection laws meant to protect people from legitimate cases of unauthorized debits. One of the three main areas of focus for the Nacha’s New Risk Management Framework for the Era of Credit-Push Fraud is that all participants have a role to play in detecting, preventing, and recovering from frauds that utilize ACH and other credits. The framework emphasizes that RDFIs may be in the best position to stop fraud. The emphasis on the RDFI’s role in identifying fraud shouldn’t be thought of as limited to credit-push fraud. RDFIs serve a vital role in receiving claims of unauthorized debit from their customers. They can play an equally vital role as guardian of the payment systems when preventing returns on false claims of unauthorized debit. RMAG believes that requesting proof of authorization when investigating claims of unauthorized debit by RDFIs can reduce the impact of first-party fraud on financial institutions and Originators. Originators and ODFIs are required to keep proof of authorization, and they want the opportunity to provide documentation to support authorized transactions. The first-party fraud survey shows that proof of authorization matters to the RDFI. When it is requested during an investigation, received, and deemed to be legitimate proof that a consumer authorized a debit transaction, an RDFI is often willing to deny an unauthorized claim.