Part 2 - NEW Nacha Operating Rules Changes for 2026 and Beyond: IAT Entries, ACH Contact Registry & R90

Overview:

Each participant in the ACH Network is required to follow the Nacha Operating Rules and remain compliant as new amendments take effect. This Part 2 session focuses specifically on rules changes relating to International ACH Transactions (IAT) and other approved amendments that extend into 2026 and beyond, with an emphasis on what is changing, when it becomes effective, and what those changes mean in practice for ACH participants.

A key starting point is the updated definition of IAT Entries effective September 18, 2026, which adds clarifying language intended to provide more clarity for users when making IAT determinations. From there, the session covers the IAT contact registration requirement effective January 1, 2027, including the need to add specific IAT contact information in the ACH Contact Registry—because identifying the correct contact is part of operational readiness when IAT entries require follow-up or special handling.

The program also addresses IAT-related formatting amendments effective March 19, 2027, including an optional Date of Birth field for IAT entries and updates involving Non-Bank Foreign Financial Agencies in IAT entries. In addition, attendees will gain clarity on the new Return Reason Code (R90) effective March 17, 2028, which is intended to support an RDFI’s decision to return an entry in compliance with sanctions obligations—helping teams understand how this new code fits into return processing where sanctions-driven decisions arise.

Examples will be used throughout the presentation to help interpret the meaning of these Nacha Operating Rule amendments, so participants leave with a clearer understanding of the requirements and effective dates tied to IAT entries, IAT contact registration, IAT formatting updates, and the new sanctions-related return reason code (R90).

Areas covered in the session:

Each participant in the ACH Network is required to follow the Nacha Operating Rules and be compliant, even with the Rules changes relating to IAT (International ACH Transaction) Entries :

Effective Sep 18, 2026 – Definition of IAT Entries:

• Clarifying language in the definition of what an IAT Entry is, to provide more clarity for users when making IAT determinations

Effective Jan 1, 2027 – Registration of IAT Contacts

• Specific contact info for IAT Entries NEED to be added in registry

Effective on Mar 19, 2027 – IAT Entries - formatting

• Optional Date of Birth Field for IAT Entries
• Non-Bank Foreign Financial Agencies in IAT Entries

Effective Mar 17, 2028 – NEW Return Reason Code (R90)

• Intended to support an RDFI’s decision to return an entry in compliance with sanctions obligations.

Why should you attend?

If you handle ACH operations, compliance, or returns, Part 2 helps you stay current on the newly approved Nacha Operating Rule changes for 2026 and beyond that specifically affect International ACH Transactions (IAT)—so you’re not relying on assumptions when an entry has an international component and your team must make an accurate IAT determination.

You’ll also want this session if your organization needs clearer operational readiness around IAT contact registration and IAT formatting amendments—including what information must be added to the ACH Contact Registry and what formatting changes are coming (with examples used throughout to make the “meaning” of the amendments easier to interpret and apply).

Finally, if your teams are involved in returns where sanctions obligations may drive decisioning, this webinar covers the new Return Reason Code (R90) and how it is intended to support an RDFI’s decision to return an entry in compliance with sanctions obligations—so you understand what’s changing and when it takes effect.

Part 1 (What we Covered - a Quick Recap):

Part 1 of this two-part series—“2026 Nacha Rules Changes (Part 1): Fraud Monitoring & Ops Bulletins”—was previously delivered by the same speaker on January 28, 2026 (120 minutes) and provided a deep, practical dive into the “why” behind the 2026 updates: who across the ACH flow (ODFIs, RDFIs, originators, and third-party partners) is expected to do what under the new fraud monitoring and ACH credit monitoring amendments, how the threshold-based rollout works, and what teams should be prepared to show from a process and oversight standpoint. It also covered implementation-level operational items—like how to use the new PAYROLL and PURCHASE Company Entry Descriptions, plus key takeaways from Nacha Operations Bulletins—so attendees could translate rule language into real workflows.

This Part 2 is a standalone, two-hour session designed for professionals who want a deeper, implementation-focused look at the IAT-related Nacha rule changes for 2026 and beyond—including what’s changing, when it takes effect, and how to interpret the amendments using real examples. If you’d like the full foundation before Part 2 (or want the complete series), the Part 1 recording is available as a purchase option - here is the link to purchase the Part one series 2026 Nacha Rules Changes (Part 1): Fraud Monitoring & Ops Bulletins (avail coupons by chatting with us)

Who will benefit?

This part two session is built for ACH professionals who need to correctly identify and process IAT entries, maintain compliant contact registry details, interpret IAT formatting amendments, and handle returns impacted by sanctions obligations (R90). Those include:

• ACH Operations Managers / ACH Operations Specialists
• ACH Product Managers / Payments Product Managers (ACH)
• Payments Operations Managers / Payments Operations Analysts
• Electronic Payments Managers / Electronic Payments Specialists
• Treasury Management Operations Managers / Treasury Operations Specialists
• Treasury Services Managers / Treasury Services Operations
• Deposit Operations Managers / Deposit Operations Specialists
• Retail Operations Managers / Branch Operations Leaders (payments oversight)
• Back Office Operations Managers / Back Office Analysts
• Banking Operations Managers / Banking Operations Analysts
• Risk Managers (Payments / Operational Risk)
• ACH Risk Analysts / Payments Risk Analysts
• Fraud Prevention Managers / Fraud Operations Managers
• Financial Crimes Compliance (FCC) Professionals
• BSA/AML Officers and Analysts (payments-facing roles)
• Sanctions Compliance Professionals (payments-facing roles)
• Enterprise Risk Management (ERM) Professionals supporting payments
• Compliance Officers / Compliance Managers (bank or fintech)
• Regulatory Compliance Analysts (payments)
• Internal Audit Managers / Internal Auditors (payments/operations audits)
• Quality Assurance / Controls Testing Analysts (payments)
• Policy & Procedures Managers (payments/operations)
• ODFI Operations and Risk Teams
• RDFI Operations and Risk Teams
• Originator Operations Leaders (commercial ACH)
• Third-Party Service Provider (TPSP) Operations / Risk Teams
• Third-Party Sender (TPS) Operations / Risk Teams
• Implementation / Onboarding Managers (ACH & treasury services)
• Client Support / Client Success Managers (ACH, treasury, payments)
• Payments Relationship Managers / Treasury Relationship Managers
• Operations Training Managers (payments/ACH)