2026 NACHA STATUTORY FRAUD FRAMEWORK

Rules, Scenario, and Control Library

Real-time statutory mapping for False Pretenses, Business Email Compromise (BEC), and automated examiner policy generation under NACHA Subsections 2.2.4 & Appendix Ten.

Codified Attack Vectors & Safe Harbors

These safe harbors define defending thresholds required by bank risk committees and NACHA examiners:

1. Vendor Impersonation & Invoice Fraud

NACHA Subsection 2.2.4 & Appendix Ten (Class 2 Violation)

Mandatory 48-hour cool-down period + out-of-band directory voice callback prior to executing first credit push over $25,000.00.

2. Payroll Impersonation (Direct Deposit Divert)

NACHA Subsection 2.2.4 & Risk Monitoring Guidelines

Maximum 1 direct deposit modification per pay period. Automated locks on self-service routing alterations within 72 hours of batch run.

3. Executive Spoofing (CEO Fraud)

NACHA Subsection 2.2.4 & Subsection 3.1.10

Mandatory dual-custody cryptographic authorization for single credit pushes over $50,000.00 or daily batches exceeding $100,000.00.

4. Credit Push Baseline Deviation Anomaly

NACHA Appendix Ten Annual Compliance Review

Automated behavioral flags triggered whenever daily origination exceeds 300% of historical 90-day moving average.

Examiner-Ready Written Policy

Generate an updated 2026 NACHA False Pretenses Policy Pack for your bank's operating manual:

Download Policy Pack (.txt)

Embeddable Webhook Integration

Fintechs and core processors can programmatically stream operational metadata to generate white-labeled compliance packs:

POST /api/v1/compliance/webhook
Host: api.regx3.com
{
 "institution_name": "Apex Core",
 "dual_custody_threshold": 50000.00,
 "payroll_modification_cooldown_hours": 48
}

Query Programmatic Scenarios API