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Missing Cash/Return Letter (MCL)

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Receiving Institution – PDF or Image Cash/Return Letter

ITYP Description | Proper Usage

Missing Cash/Return Letter (MCL) - Request to investigate a PDF file or ANSI X9.37 cash/return letter that was charged but not received.

Your Action

Call FedACH® and Check Services Customer Support at P: (877) 372–2457.

Information about Missing Cash/Return Letter (MCL) reporting time frames and actions.
Reporting Time Frame Federal Reserve Bank Action
As soon as the error is discovered. Provide immediate assistance and/or guidance.

Receiving Institution – Paper Cash/Return Letter

ITYP Description | Proper Usage

Missing Cash/Return Letter (MCL) - Request for credit for a cash/return letter or bundle that was charged but never received.

Your Action

Call FedACH and Check Services Customer Support at (877) 372–2457 if you discover the error the same day the cash/return letter was processed. If you discover the error after the original processing date: Submit an Electronic Case or Adjustment Request Form (PDF).

Information about Missing Cash/Return Letter (MCL) reporting time frames and actions.
Reporting Time Frame Federal Reserve Bank Action
After the original processing date but within twenty business days
of the cash/return letter date.
Same day entry - provided requirements are met.*
After twenty business days, but within one calendar year
of the cash/return letter date.
Same day acknowledgement - Provided requirements are met.*

Entry after research is completed
if the items were paid. If the items were not paid, provide the requesting institution with source information and advise the requesting institution to deal directly with the offsetting institution.

Respond to request within twenty business days.

Attachments not Required

Required Fields

Information about Missing Cash/Return Letter (MCL) 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) Missing Cash letter (MCL) MCL
Request Type (MTYP) Open (OPEN) Auto-fills with OPEN
Amount (AMT) Amount of the missing cash/ return letter or bundle(s)
Request for Entry (ETYP) Credit CR
Sender's Reference # (SREF) Your institution's case # (max of 14 characters)
Contact Information
(CNTC & TELE)
(FedLine only)
N/A Contact name and phone number
FCL & TCL
  • The Federal Reserve sent the cash/ return letter to your institution
  • FCL - Federal Reserve's ABA #
  • TCL - Your institution's ABA #
Product Class (PROD) the appropriate cash letter product code 3-character cash letter product code from the drop-down list
Cash Letter or Entry Date (CLED) Date of the cash/ return letter
C/L Total (CLT) Cash letter total

*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.

Select an Error Type

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