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). For more information, visit the Check 21-Enabled Services pages or contact your account executive.
- 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)