Nacha announced it is seeking public comments on a proposed change to the Nacha Operating Rules that would increase the per-transaction dollar limit for Same Day ACH payments from $1 million to $10 million. Nacha also announced new fraud compliance responsibilities, in line with the latest Nacha rules, for all organizations that send ACH payments. The implementation deadlines are March 20, 2026, for corporate end users processing 6 million or more ACH transactions annually, and June 20, 2026, for all other corporate end users handling any ACH transactions annually.
And according to a news release, Rep. Warren Davidson (R-OH) introduced the Bitcoin for America Act to allow Americans to pay federal taxes in Bitcoin and to direct all such payments into the Strategic Bitcoin Reserve. This measure would enhance long-term national financial resilience and position the U.S. as a leader in global digital assets.
Read on to learn more.
1. Nacha Seeks Input on Proposal to Raise the Same Day ACH Transaction Limit to $10 Million (nacha.org)
On Monday, Nov. 10, Nacha announced it is seeking public comments on the proposed change to the Nacha Operating Rules that would increase the per-transaction dollar limit for Same Day ACH payments from $1 million to $10 million. . . The request for comment invites input from all corporate end users that use the ACH Network, including businesses and nonprofits, banks and credit unions of all sizes, government agencies, third parties, payment processors, fintechs and solution providers. (Read more.)
2. The New Nacha Rules: New Fraud Compliance Responsibilities for All Organizations Sending ACH Payments (nacha.org)
In September 2022, Nacha released a Risk Management Framework to address fraud across the ACH Network. Building on that work, Nacha, in collaboration with industry participants, introduced new rules in March 2024, aimed at reducing fraud, and assigning updated responsibilities to financial institutions, third parties, and organizations that send ACH payments over the ACH Network. The most impacted internal groups may include accounting and finance groups…Implementation dates: March 20, 2026-Implementation deadline for corporate end users that send 6 million ACH transactions or more annually, and June 20, 2026-Implementation deadline for all corporate end users that send any ACH transactions annually. (Read more.)
3. House Bill Would Allow Bitcoin Payments for Federal Taxes (PYMNTS.com)
A bill introduced Thursday (Nov. 20) in the U.S. House would allow Americans to use Bitcoin to pay federal taxes and would direct those payments into the Strategic Bitcoin Reserve. The Bitcoin for America Act (H.R. 6180) was introduced by Rep. Warren Davidson (R-Ohio) and referred to the Ways and Means Committee and the Financial Services Committee, according to Congress.gov. Davidson said in a Thursday press release that allowing Americans to use Bitcoin to pay taxes would enable more Americans, including those who are unbanked, to pay taxes. (Read more.)
What downstream effects might these developments have on your 2026 business strategy and planning priorities?
Check back soon for our next issue, which will highlight the industry's most pressing and essential developments. In the meantime, visit us online at Innovating Payments.
NEACH - New England Automated Clearing House Association is a neutral, member-focused advocate. Our role is to give you the intelligence, context, and connections you need to make informed strategic decisions. We bring together industry leaders, policymakers, and innovators so you can evaluate innovation through the lens of your institution’s mission and market strategy. For more information, visit neach.org.
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AUTHOR: Joe Casali, AAP, NCP
Executive Vice President
As the EVP of Payments Innovation for NEACH, Joe focuses on exploring innovative solutions and technologies that will help position members for success, both now and in the future. Connect with Joe to read more of his blogs, articles, and posts.
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