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 returned the check within the deadline and want to dispute a Claim of Late Return (LC), submit an LR to the Federal Reserve.
Please refer to Regulation CC (Off-site) for paying bank’s responsibility for return of checks.
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 20 business days
of the Federal Reserve Bank’s Late Return Claim (LC) debit entry date. |
Same day entry - Provided requirements are met.* |
| After 20 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 20 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) and Contact Information | Your institution's ABA number, Name, Street Address, City, State, Contact Telephone Number (TELE), Contact Name (CNTC) and Respondent's ABA number (if applicable) | Auto-fills with your institution’s 9-digit ABA number. Contact Name (CNTC) and Contact Telephone Number (TELE). |
| Receiver ABA (RCVR) | Receiving Federal Reserve Bank's name and/or ABA number | Auto-fills with the Federal Reserve Bank’s ABA number 061000146 |
| Case Investigation Type (ITYP) | Late Return Disclaimer (LR) | Late Return Disclaimer (LR) |
| Message Type (MTYP) | Open (OPEN) | Open (CA1000) |
| Case Amount (AMT) | Amount of the Late Return Claim (LC) debit entry | |
| Entry Type (ETYP) | Credit (CR) | Credit |
| Sender Reference Number (SREF) | Your institution's case number (max of 14 characters) | |
| Receiver Reference Number (RREF) | FRB's SREF from the Late Return Claim (LC) debit entry's advice | |
| From Cash Letter ABA (FCL) & To Cash Letter ABA (TCL) | The Federal Reserve made an entry to your account FCL - Federal Reserve Bank's ABA number TCL - Your institution's ABA number |
|
| Product Type (PROD) | Return (RTN) | Auto-fills with Return |
| Attachment | Attachment | Upload File |
| 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.
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)
- Remote Deposit Capture (RDC) Item
- Source of Receipt (SOR)
- Unauthorized Electronically Created Item (UECI)
- Unauthorized Remotely Created Check (URCC)
- Warranty/Indemnity Claim (WIC) Check 21 or Electronically Created Item (ECI)
- Wrong Payee Credited (WPC)
Retired Investigation Types
The following investigation types (ITYPS) have been retired and are no longer in use as an ITYP. Refer to each ITYP for action steps should the need arise to report the error condition or service request.