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 Link). For more information about Check 21-enabled Services, visit the service offerings pages or contact your account executive.

Check 21 Legislative Overview (PDF)

Check 21 Resource Document (Off-site Link) (PDF)

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.

Check 21 Supplement - FedFocus (PDF)

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 Link, PDF)

Check 21: The Road Traveled

Take a trip from the past to the present with Fred Herr, senior vice president of the Federal Reserve Banks Retail Payments Office, who has overall responsibility for the Federal Reserve Banks' Check 21 initiative.

In a few short minutes, you'll gain or refresh your knowledge of:

• The purpose of the Check 21 Act
• Trends that paved the way
• The benefits of Check 21-enabled clearing
• Click here to view the video in Flash^® (7.66 MB) or Windows Media^® (6.84 MB)

For more information about Check Services, visit the service offerings pages or contact your account executive.

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