Welcome to CheckImage Central - jointly provided by ECCHO, a business line of The Clearing House L.L.C., and the Retail Payments Office of the Federal Reserve Bank of Atlanta. CheckImage Central brings you information on the check payments industry including information on amended Regulation CC, white papers/briefings, links to rules/regulations/guidance, check statistics and related industry links.
CheckImage Central Background
Following the implementation of Check 21, the Check Image Collaborative industry group was formed. The Check Image Collaborative developed CheckImage Central as a vehicle to share information on Check 21, the creation of substitute checks and image implementation. The website provided much value during the transition to full image exchange. While the Check Image Collaborative is long gone, this website still brings value to the check industry.
CheckImage Central Now
With the advent of an amended version of Regulation CC, which became effective on July 1, 2018, the website was reinvented to focus on these modernizing changes. Regulation CC was amended to reflect the virtually complete electronification of the check payment system. Subparts A and C of Regulation CC, pertaining to check collection and return, now apply as a matter of law to Electronic Checks and impose warranties and return timeframes on Electronic Checks. Revised Regulation CC also established new indemnities related to remote deposit capture and electronically-created items. More information on Reg CC changes