Ending the Scamdemic: The Case for a Global Scam Action Task Force (SATF)

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Ending the Scamdemic: The Case for a Global Scam... Download whitepaper

The Agentic Oversight Framework whitepaper

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The Agentic Oversight Framework whitepaper Download whitepaper

Forrester Total Economic Impact Report of Sardine

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Forrester Total Economic Impact Report of Sardine Download report

Sardine recognized as a market leader
for Fraud and AML compliance

Sardine recognized as a market leader for Fraud and AML compliance
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Hailey Windham

Fraud Forward, Sardine

Articles by Hailey Windham
Hailey Windham
Hailey Windham
January 27, 2026

What Nacha’s new ACH fraud monitoring rule actually means for community banks and credit unions

Nacha’s updated ACH Fraud Monitoring Rule introduces new expectations for ODFIs and RDFIs, but it’s not the five-alarm compliance fire some headlines suggest. This post explains why the rule’s intentionally broad language causes anxiety, what “risk-based processes” actually mean in practice, and how community banks and credit unions can build defensible, repeatable ACH monitoring without overspending or overengineering.
Fraud
Compliance
ACH
Community Banks
Credit Unions
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