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6500 - Consumer Protection
Appendix D to Part 229--Indorsement, Reconverting Bank
Identification, and Truncating Bank Identification Standards
(1) The depositary bank shall indorse an original check or
substitute check according to the following specifications:
(i) The indorsement shall contain--
(A) The bank's nine-digit routing number, set off by an arrow at
each end of the number and pointing toward the number, and, if the
depositary bank is a reconverting bank with respect to the check, an
asterisk outside the arrow at each end of the routing number to
identify the bank as a reconverting bank;
{{8-31-04 p.7418.39}}
(B) The indorsement date; and
(C) The bank's name or location, if the depositary bank applies
the indorsement physically.
(ii) The indorsement also may contain--
(A) A branch identification;
(B) A trace or sequence number;
(C) A telephone number for receipt of notification of
large-dollar returned checks; and
(D) Other information, provided that the inclusion of such
information does not interfere with the readability of the indorsement.
(iii) The indorsement, if applied to an existing paper check,
shall be placed on the back of the check so that the routing number is
wholly contained in the area 3.0 inches from the leading edge of the
check to 1.5 inches from the trailing edge of the
check. 1
(iv) When printing its depositary bank indorsement (or a
depositary bank indorsement that previously was applied electronically)
onto a substitute check at the time that the substitute check is
created, a reconverting bank shall place the indorsement on the back of
the check between 1.88 and 2.74 inches from the leading edge of the
check. The reconverting bank may omit the depositary bank's name and
location from the indorsement.
(2) Each subsequent collecting bank or returning bank indorser
shall protect the identifiability and legibility of the depositary bank
indorsement by indorsing an original check or substitute check
according to the following specifications:
(i) The indorsement shall contain only--
(A) The bank's nine-digit routing number (without arrows) and,
if the collecting bank or returning bank is a reconverting bank with
respect to the check, an asterisk at each end of the number to identify
the bank as a reconverting bank;
(B) The indorsement date, and
(C) An optional trace or sequence number.
(ii) The indorsement, if applied to an existing paper check,
shall be placed on the back of the check from 0.0 inches to 3.0 inches
from the leading edge of the check.
(iii) When printing its collecting bank or returning bank
indorsement (or a collecting bank or returning bank indorsement that
previously was applied electronically) onto a substitute check at the
time that the substitute check is created, a reconverting bank shall
place the indorsement on the back of the check between 0.25 and 2.50
inches from the trailing edge of the check.
(3) A reconverting bank shall comply with the following
specifications when creating a substitute check:
(i) If it is a depositary bank, collecting bank, or returning
bank with respect to the substitute check, the reconverting bank shall
place its own indorsement onto the back of the check as specified in
this appendix.
(ii) A reconverting bank that also is the paying bank with
respect to the substitute check shall so identify itself by placing on
the back of the check, between 0.25 and 2.50 inches from the trailing
edge of the check, its nine-digit routing number (without arrows) and
an asterisk at each end of the number.
(iii) The reconverting bank shall place on the front of the
check, outside the image of the original check, its nine-digit routing
number (without arrows) and an asterisk at each end of the number, in
accordance with ANS X9.100--140.
(iv) The reconverting bank shall place on the front of the check,
outside the image of the original check, the truncating bank's
nine-digit routing number (without arrows) and a bracket at each end of
the number, in accordance with ANS X9.100--140.
(4) Any indorsement, reconverting bank identification, or
truncating bank identification placed on an original check or
substitute check shall be printed in black ink.
{{8-31-04 p.7418.40}}
[Codified to 12 C.F.R. Part 229, Appendix D]
[Appendix D amended at 69 Fed. Reg. 47316, August 4, 2004,
effective October 28, 2004, except for model form C--5A in Appendix C,
which is effective on January 1,
2006]
1 The leading edge is defined as the right side of the check
looking at it from the front. The trailing edge is defined as the left
side of the check looking at it from the front. See American
National Standards Specifications for the Placement and Location of
MICR Printing, X9.13. Go Back to Text
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