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- Warranty/Indemnity Claim (WIC) Associated with Unauthorized Electronically Created Items (UECIs)
Warranty/Indemnity Claim (WIC) Associated with Unauthorized Electronically Created Items (UECIs)
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ITYP Description | Proper Usage
Warranty/Indemnity Claim (WIC) Associated with Unauthorized Electronically Created Items (UECIs) – Used by the Paying Bank to request a credit entry regarding their allegation an electronically created item was not authorized by the person on whose account the electronic item was created in the amount stated on the item or to the payee stated on the item. Only one of these conditions must be met.
An Electronically Created Item is defined under Regulation CC as an electronic image that has all the attributes of an electronic check or electronic returned check but was created electronically and not from a paper check.
If you discover a WIC associated with a UECI, submit an adjustment request to the Federal Reserve using the WIC ITYP.
Note: The comment field is required and must state the item is a UECI.
Your Action
Submit an Electronic Case or Adjustment Request Form (PDF). Use error type WIC.
| Reporting Time Frame | Federal Reserve Bank Action |
|---|---|
| Within 90 calendar days
of the cash letter date. |
Same day acknowledgement - provided requirements are met.* Provide entry within twenty business days. |
| After 90 calendar days
of the cash letter date. |
Same day acknowledgement - provided requirements are met.* No entry. Request is more than 90 calendar days old and is not eligible for handling through adjustments channels. |
Required Attachments
A copy of the customer's written statement asserting under oath that the electronically created item was unauthorized.
Although a specific form is not required, the customer statement must clearly indicate that it was asserted under oath and must contain the Regulation CC language that serves as the basis for the indemnity claim - that the person or entity on whose account the electronically created item is drawn did not authorize the issuance of the item in the amount stated on the item or to the payee stated on the item.
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) | WIC Associated with Unauthorized Electronically Created Item | WIC |
| Message Type (MTYP) | Open (OPEN) | Auto-fills with OPEN |
| Case Amount (AMT) | Amount of the UECI | |
| Entry Type (ETYP) | Credit | CR |
| 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) | The Federal Reserve sent the cash letter to your institution FCL - Federal Reserve's ABA # TCL - Your institution's ABA # |
|
| Product Type (PROD) | Forward (FWD) | FWD - forward |
| Case Comments (COM1) | The item is a UECI | |
| Attachment (DTF) | Attachment | Attachment code from drop-down box |
| Cash Letter or Entry Date (CLED) | Date of the cash letter | |
| Cash Letter Total (CLT) | Cash letter total in which the item involved in the claim is contained | |
| Tape Total (TT) | Tape/bundle total in which the item involved in the claim is contained | |
| Sequence Number (SEQ) | The Federal Reserve's ISN # of the item involved in the claim | |
| Item Before Amount (IBEF) | Dollar amount of the item listed on the cash letter detail listing before the item involved in the claim. If the item involved in the claim is the first item, then enter .00. | |
| Item After Amount (IAFT) | Dollar amount of the item listed on the cash letter detail listing after the item involved in the claim. If the item involved in the claim is the last item, then enter .00. | |
*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
