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- Late Return Disclaimer (LR)
Late Return Disclaimer (LR) ($100 or greater)
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Receiving Institution – Paper Cash/Return Letter
ITYP Description | Proper Usage
Late Return Disclaimer (LR) – Used by the Drawee bank to request a credit entry to dispute a Late Return Claim (LC) debit entry.
If you want to dispute a Claim of Late Return (LC), submit an LR to the Federal Reserve.
Note: This adjustment procedure is offered as a convenience only and does not preclude any party from pursuing its claim in another forum.
Your Action
Submit an Electronic Case or Adjustment Request Form (PDF).
| Reporting Time Frame | Federal Reserve Bank Action |
|---|---|
| Within twenty business days
of the Federal Reserve Bank’s Late Return Claim (LC) debit entry date. |
Same day entry - provided requirements are met.* |
| After twenty business days, but within one calendar year
of the Federal Reserve Bank’s Late Return Claim (LC) debit entry date. |
Same day acknowledgement - Provided requirements are met.* No Entry. Advise the requesting institution to deal directly with the offsetting institution. Respond to request within twenty business days. |
Required Attachments
A legible copy of the completed Paying Bank's Response to a Claim of Late Return Form (PDF). Refer to the instructions (PDF) and example (PDF) for more information on the required form.
Required Fields
| Field Name | Paper Form | FedLine CA1000 Message |
|---|---|---|
| Sender ABA (SNDR) | Your institution’s ABA #, name, street address, city, phone #, contact name and respondent's ABA # (if applicable) | Auto-fills with your 9-digit ABA # |
| Receiver ABA (RCVR) | Receiving Federal Reserve Bank's name and/or ABA # | Federal Reserve Bank ABA # from drop-down list |
| Case Investigation Type (ITYP) | Late Return Disclaimer (LR) | LR |
| Message Type (MTYP) | Open (OPEN) | Auto-fills with OPEN |
| Case Amount (AMT) | Amount of the Late Return Claim (LC) debit entry | |
| Entry Type (ETYP) | Credit | CR |
| Sender Reference Number (SREF) | Your institution's case # (max of 14 characters) | |
| Receiver Reference Number (RREF) | FRB case # (The SREF from the Late Return Claim (LC) debit entry's advice) | |
| Contact Information (CNTC & TELE) | Contact name, address and telephone number | Contact name and telephone number |
| From Cash Letter ABA (FCL) & To Cash Letter ABA (TCL) | The Federal Reserve made an entry to your account FCL - Federal Reserve's ABA # TCL - Your institution's ABA # |
|
| Product Type (PROD) | Return (RTN) | RTN - return |
| Attachment (DTF) | Attachment | Attachment code from drop-down list |
| Cash Letter or Entry Date (CLED) | Date of the Late Return Claim (LC) debit entry | |
*Same Day Entry/Acknowledgement Requirements
All electronic adjustment requests received by 5:00 p.m. ET with complete information will receive same day entry/acknowledgement. Supporting documentation (attachments) must be provided at the same time the electronic adjustment message is submitted. For requests submitted using the text (TXT) file format, attachments must be received within five business days of receipt of the electronic request. If the supporting documentation is required and not received the request will be resolved back to the requester and any provisional entry will be reversed.
All paper adjustment requests received at the Check Adjustments Centralized Data Entry Site by 11:00 a.m. ET with complete information and documentation will receive same day entry/acknowledgement.
Select an Error Type
- Disposition (DISP)
- Duplicate Entry (DUP)
- Encoding Error (ENC)
- Entry in Error (ERR)
- Entry in Error (ERR) Claim of Damage
- Information Request (INFO)
- Late Return Claim (LC)
- Late Return Disclaimer (LR)
- Listed Not Enclosed (LNE)
- Missing Cash/Return Letter (MCL)
- Non-Cash Item (NCH)
- Non-Receipt of Cash/Return Letter Credit (MCL)
- Not Our Item (NOI)
- Original or Sufficient Copy Request (OSCR)
- Paid Item (PAID)
- Photo in Lieu (PIL)
- Photocopy Request (PREQ)
- Source of Receipt (SOR)
- Warranty/Indemnity Claim (WIC) Check 21 or Electronically Created Items (ECIs)
- Warranty/Indemnity Claim (WIC) Remote Deposit Capture (RDC) Item
- Warranty/Indemnity Claim (WIC) Unauthorized Electronically Created Item (UECI)
- Warranty/Indemnity Claim (WIC) Unauthorized Remotely Created Check (URCC)
Retired Investigation Types
The following investigation types are outdated and have minimal usage. These investigation types were eliminated on May 22, 2017.
Select an Error Type
