Late Return Claim (LC) ($100 or greater)

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ITYP Description | Proper Usage

Late Return Claim (LC) - Used by the Depository institution to request a credit entry regarding their allegation that an item, in the amount of $100.00 or greater, was returned to them late by the Drawee bank.

If you discover an LC, submit an adjustment request to the Federal Reserve.

Note: A Late Return Claim may be used only once for each return.

Your Action

Submit an Electronic Case or Adjustment Request Form (PDF).

Reporting Time Frame and Federal Reserve Bank Action

Late Return Claim (LC) reporting time frames and actions.
Reporting Time Frame Federal Reserve Bank Action
Within two calendar months
of the return letter date.
Same day entry - Provided requirements are met.*
After two calendar months, but within one calendar year
of the return letter 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 Bank's Claim of Late Return form (PDF) and a legible photocopy of the front and back of the item. Refer to the instructions (PDF) and example (PDF) for more information on the required form.

In consideration of the remote work arrangements many of our customers are experiencing due to COVID-19, we are temporarily allowing electronic signatures on Check Adjustment forms that require an authorized, written representation, signature. We will continue to assess these changes, with the expectation to revert back to previous requirements regarding signatures at the appropriate time.

Required Fields

Late Return Claim (LC) required fields for paper forms and FedLine messages.
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 Claim (LC) Late Return Claim (LC)
Message Type (MTYP) Open (OPEN) Open (CA1000)
Case Amount (AMT) Amount of the return item Amount of the return item
Entry Type (ETYP) Credit (CR) Credit
Sender Reference Number (SREF) Your institution's case number (max of 14 characters)
From Cash Letter ABA (FCL) & To Cash Letter ABA (TCL) The Federal Reserve sent the return letter to your institution
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 return letter charge

*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.

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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.

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