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Late Return Disclaimer (LR) ($100 or greater)

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Receiving Institution – Paper Cash/Return Letter

ITYP Description | Proper Usage

Late Return Disclaimer (LR) – Drawee disputes the claim of late return. If you want to dispute a Claim of Late Return (LC), submit an LR to the Federal Reserve.

Your Action

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

Information about Late Return Disclaimer reporting time frames and actions.
Reporting Time Frame Federal Reserve Bank Action
Within twenty business days
of the Federal Reserve Bank’s Late Return Claim (LC) debit entry date.
Same day entry - provided requirements are met.*
After twenty business days, but within one calendar year
of the Federal Reserve Bank’s Late Return Claim (LC) debit entry 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.

Required Attachments

A legible copy of the completed Paying Bank's Response to a Claim of Late Return Form (PDF). Refer to the instructions (PDF) and example (PDF) for more information on the required form.

Required Fields

Information about Late Return Disclaimer reporting field names, forms and FedLine messages.
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 Disclaimer (LR) LR
Request Type (MTYP) Open (OPEN) Auto-fills with OPEN
Amount (AMT) Amount of the Late Return Claim (LC) debit entry
Request for Entry (ETYP) Credit CR
Sender's Reference # (SREF) Your institution's case # (max of 14 characters)
Original FRB Reference No. (RREF) FRB case # (The SREF from the Late Return Claim (LC) debit entry's advice)
Contact Information
(CNTC & TELE)
(FedLine only)
N/A Contact name and phone number
FCL & TCL The Federal Reserve made an entry to your account
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 Late Return Claim (LC) debit entry

*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, 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.

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Retired Investigation Types

As previously announced, the following investigation types are outdated and have minimal usage. As of May 22, 2017 they have been eliminated.

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