In this episode of Nacha’s Payments SmartCast, Cari Conahan, Associate Managing Director of ACH Network Rules & Enforcement at Nacha, explains why financial institutions should have the 2026 Nacha Operating Rules and Guidelines, especially as the ACH Network enters a new era of risk‑based compliance. From a financial institution perspective, Lawrence Lau, Senior Vice President at West Coast Community Bank, reinforces the operational importance of staying current and shares his favorite ways to access the Rules.