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  7. Non-Receipt of Cash/Return Letter Credit (MCL)

Non-Receipt of Cash/Return Letter Credit (MCL)

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Depositing Institution – Paper Cash/Return Letter

ITYP Description | Proper Usage

Non-Receipt of Cash/Return Letter Credit (MCL) - Request to investigate a cash/return letter deposited with the Federal Reserve but for which credit was never received.

Your Action

Submit an Electronic Case or Adjustment Request Form (PDF). Use Entry Type (ETYP) Request For Information (RFI).

If the Federal Reserve Bank responds stating “No Record of Receipt,” check to see if the items have paid/been returned.

  • If the items have not paid/been returned, follow the lost shipment procedures discussed in the Photo in Lieu (PIL) section.
  • If the items have paid/ been returned, and the Federal Reserve Bank is not the source, deal directly with the source.
  • If the items have paid/ been returned and the Federal Reserve Bank is the source, submit an Information Request (INFO) for the full amount of the cash/return letter (for example $1,345,634.21) providing paid source information for one of the items (for example, $8,964.62) in the comments field (COM 1). State: “Did not receive credit for cash/return letter dated mm/dd/yyyy, item paid. Paid source provided: AMT (of paid item), CLED, CLT, TT, SEQ, IBEF & IAFT.”
Information about Non-Receipt of Cash/Return Letter Credit (MCL) reporting time frames and actions.
Reporting Time Frame Federal Reserve Bank Action
As soon as the error is discovered. Respond within twenty business days.

Attachments not Required

Required Fields

Information about Non-Receipt of Cash/Return Letter Credit (MCL) reporting field names, forms and FedLine messages.
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) Missing Cash Letter (MCL) MCL
Message Type (MTYP) Open (OPEN) Auto-fills with OPEN
Case Amount (AMT) Amount of the cash letter
Entry Type (ETYP) Information RFI
Sender Reference Number (SREF) Your institution’s case # (max of 14 characters)
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) You sent the cash/ return letter to the Federal Reserve
FCL - Your institution's ABA #
TCL - Federal Reserve's ABA #
Product Type (PROD) The appropriate cash letter product code 3-character cash letter product code from the drop-down list
Cash Letter or Entry Date (CLED) Date of the cash letter

*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.

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Retired Investigation Types

The following investigation types are outdated and have minimal usage. These investigation types were eliminated on May 22, 2017.

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