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Photo in Lieu (PIL) – Used to request a credit entry and provide an indemnified photocopy or notice in lieu of return in response to a debit entry for a lost, destroyed or non-conforming item.
If you have been charged with a missing item(s) (Listed Not Enclosed (LNE)), you have the option to submit a PIL adjustment request to the Federal Reserve that charged you with the LNE. However, the preferred method for handling a PIL is through processing channels. Deposit the PIL, in an appropriate cash/return letter, with the Federal Reserve. You will receive credit via the cash/return letter.
Submit a photocopy in lieu of original as a collection item.
Reporting Time Frame | Federal Reserve Bank Action |
---|---|
Normal Federal Reserve Bank check collection deadlines | Normal Federal Reserve Bank check collection process. |
Same as above, except no indemnification needed.
Verify if original items have paid/been returned. If not, indemnify and endorse legible photocopies of the front and back of each item (Forward) or mark each item "Notice in Lieu of Return" and the reason for return (Return). Send to the Federal Reserve Bank of Atlanta in the appropriate cash/return letter.
Reporting Time Frame | Federal Reserve Bank Action |
---|---|
Within twenty business days of the Federal Reserve Bank's Listed Not Enclosed (LNE) 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 Listed Not Enclosed (LNE) 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. |
Same as above except no indemnification needed.
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) | Photo in Lieu | PIL |
Message Type (MTYP) | Open (OPEN) | Auto-fills with OPEN |
Case Amount (AMT) | Amount of the item reported missing/destroyed. | |
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 Listed Not Enclosed (LNE) 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) | 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 Listed Not Enclosed (LNE) debit entry |
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.
The following investigation types are outdated and have minimal usage. These investigation types were eliminated on May 22, 2017.