About Check 21 Act

The Check Clearing for the 21st Century Act, or Check 21, was signed into law on October 28, 2003. Provisions of the law took effect on October 28, 2004.

To learn about the law, review the resources below and visit the Federal Reserve Board of Governors site (Off-site). For more information, visit the Check 21-Enabled Services pages or contact your account executive.

Check 21 Legislative Overview (PDF)

Check 21 Resource Document (Off-site)

The Check 21 Resource Document created by Federal Reserve Banks and Industry Trade Groups Customers is a valuable tool in understanding the Check 21 law and its impact on the industry. Financial institutions can use the booklet as a source of information that can be incorporated into their communications and training efforts with their staffs.

• Anatomy of a Substitute Check (PDF)
• Regulation CC Model Disclosure and Model Notices Text (PDF)
• Full Text of Final Regulation CC Changes to Support Check 21 Act (Off-site)

Visit the Check Services pages or contact your account executive for more information.

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