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Photo in Lieu (PIL)

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ITYP Description | Proper Usage

Photo in Lieu (PIL) – A photocopy is being submitted in response to a charge for a lost or destroyed item.

If you have been charged with a missing item(s) (Listed Not Enclosed (LNE)), you have the option to submit a PIL adjustment request to the Federal Reserve that charged you with the LNE. However, the preferred method for handling a PIL is through processing channels. Deposit the PIL, in an appropriate cash/return letter, with the Federal Reserve. You will receive credit via the cash/return letter.

Your Action - Preferred Method

Submit a photocopy in lieu of original as a collection item.

Information about Photo in Lieu (PIL) preferred method reporting time frames and actions.
Reporting Time Frame Federal Reserve Bank Action
Normal Federal Reserve Bank check collection deadlines Normal Federal Reserve Bank check collection process.

Forward Collection

  • Properly indemnify a legible photocopy of the front and back of the item. The current endorsement information must be legible.
  • On the front of the photocopy, record the routing number (ABA) and reference number of the Federal Reserve Bank that reported the item missing (for example, 0610-0014-6/FR10001370022).
  • Place indemnified photocopy in a MICR encoded carrier envelope.
  • Send the item in the appropriate cash letter.

Return Process

Same as above, except no indemnification needed.

  • Ensure the face of the item is marked with "Notice in Lieu of Return" and the reason for the return.
  • BOFD endorsement must be legible. If BOFD endorsement is not legible, source information for the forward presentment item should also be provided.
  • Send the item in the appropriate return letter.

Lost Shipment Forward/Return Cash Letter

Verify if original items have paid/been returned. If not, indemnify and endorse legible photocopies of the front and back of each item (Forward) or mark each item "Notice in Lieu of Return" and the reason for return (Return). Send to the Federal Reserve Bank of Atlanta in the appropriate cash/return letter.

Optional Method

Information about Photo in Lieu (PIL) optional method reporting time frames and actions.
Reporting Time Frame Federal Reserve Bank Action
Within twenty business days
of the Federal Reserve Bank's Listed Not Enclosed (LNE) 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 Listed Not Enclosed (LNE) 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

Forward Collection

  • One legible, properly indemnified photocopy of the front and back of the missing item.
  • On the front of the photocopy, record the routing number (ABA) and reference number of the Federal Reserve Bank that reported the item missing (for example, 0610-0014-6/FR10001370022).
  • Current endorsement information must be legible.
  • Photo in Lieu must be "sorter ready". Place indemnified photocopy in a MICR encoded carrier envelope.

Return Process

Same as above except no indemnification needed.

  • Ensure the face of the item is marked with "Notice in Lieu of Return" and the reason for the return.
  • BOFD endorsement must be legible. If the BOFD endorsement is not legible, source information for the forward presentment item should also be provided.

Required Fields

Information about Photo in Lieu (PIL) 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) Photo in Lieu PIL
Request Type (MTYP) Open (OPEN) Auto-fills with OPEN
Amount (AMT) Amount of the item reported missing/destroyed.
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 Listed Not Enclosed (LNE)  debit entry's advice)
Contact Information
(CNTC & TELE)
(FedLine)
N/A Contact name and phone number
FCL & TCL You sent the cash/ return letter to the Federal Reserve
FCL - Your institution's ABA #
TCL - Federal Reserve'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 Listed Not Enclosed (LNE) 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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