The Legal & Compliance Landscape of Instant Payments: What You Need to Know

Scott Fryzel and Lauren Quigley served as featured presenters for the Nacha Payments Legal & Compliance Summit Session, “The Legal & Compliance Landscape of Instant Payments: What You Need to Know,” which took place on Wednesday, December 3, 2026. In the session, Fryzel and Quigley discussed the legal and regulatory frameworks that apply to instant payments, including Regulation E & UCC4A. They also dove into the liability and risk management concerns associated with instant payments, including fraud, chargebacks, and data breaches. They also highlighted strategies for mitigating these risks, such as implementing robust security protocols and complying with industry standards.