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Late Return Claim (LC) – Depository institution alleges a check or an electronic item was returned late.
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.
Submit an Electronic Case or Adjustment Request Form (PDF).
|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 twenty business days.
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.
|Field Name||Paper Form||FedLine CA1000 Message|
|Sender (SNDR)||Your institution's ABA #, name, street address, city, phone #, contact name and respondent’s ABA # (if applicable)||Auto-fills with your 9-digit ABA #|
|Receiver (RCVR)||Receiving Federal Reserve Bank's name and/or ABA #||Federal Reserve Bank ABA # from drop-down list|
|Investigation Type (ITYP)||Late Return Claim||LC|
|Request Type (MTYP)||Open (OPEN)||Auto-fills with OPEN|
|Amount (AMT)||Amount of the return item|
|Request for Entry (ETYP)||Credit||CR|
|Sender's Reference # (SREF)||Your institution's case # (max of 14 characters)|
(CNTC & TELE)
|N/A||Contact name and phone number|
|FCL & TCL||The Federal Reserve sent the return letter to your institution
FCL - Federal Reserve's ABA #
TCL - Your institution's ABA #
|Product Class (PROD)||Return (RTN)||RTN - return|
|Attachment (DTF)||Attachment||Attachment code from drop-down list|
|Cash Letter or Entry Date (CLED)||Date of the return letter charge|
All electronic adjustment requests received by 5:00 p.m. ET with complete information will receive same day entry/acknowledgement. Supporting documentation, commonly referred to as Documents to Follow (DTFs) must be received within five business days of receipt of the electronic request. If the DTF is required and not received within five business days, the request will be resolved back to the requester and any provisional entry will be reversed.
All paper adjustment requests received at the Check Adjustments Centralized Data Entry Site by 11:00 a.m. ET with complete information and documentation.
The following investigation types are outdated and have minimal usage. These investigation types were eliminated on May 22, 2017.