In June 2021, Nacha established a new rule to limit the time period during which the RDFI (receiving depository financial institution) can make a warranty claim against the ODFI (originating depository financial institution) for unauthorized ACH entries into the Automated Clearing House (ACH) Network.  According to the revised Nacha rule on warranty claims: “For non-consumer accounts, the time limit is one year from settlement date; for consumer accounts, claims may be made for two years from the settlement date” of the entry.