Scope - The scope for this work group includes Substitute Checks as identified within
Check 21, and the applicability of the Operating Practices to image exchange. The Operational Practices
Work Group will evaluate operational issues in the collection and return of Substitute Checks.
Retrieval processes may later be included in this Work Group. This Work Group will not investigate
issues associated with image capture, image archive, customer service and check statementing.
Objectives and Deliverables - This Work Group will document and get industry agreement on the following practices:
Duplicates
Develop standard terminology and scenarios
Control of duplicates including possible recommendation of installation of duplicate detection at all points in process
Standard notification process including contact lists, data requirements, security requirements,
method of notification, use of various communication channels, timeframes, etc.
Receiver post notification process prior to receipt of duplicates including modifications to current
system thresholds, proper internal notifications, etc.
Resolution of duplicates including standard adjustment codes, handling as adjustments rather than returns
directly to reconverting bank, etc.
Education and agreement by others in industry to documented practices in conjunction with the Communications work group
Other Error Types including mis-matched items, non-conforming Substitute Checks, retention, requests and retrievals - Same as above
Adjustment practices
Handling of duplicates and other error types
New codes
Request for better copy or original
Expedited recredit claims and other warranty/indemnity claims
