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Warranty/Indemnity Claim (WIC) Associated with Unauthorized Electronically Created Items (UECIs)

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ITYP Description | Proper Usage

Warranty/Indemnity Claim (WIC) Associated with Unauthorized Electronically Created Items (UECIs) – Paying institution alleges the electronically created item was not authorized by the person on whose account the electronic item was created in the amount stated on the item or to the payee stated on the item. Only one of these conditions must be met.

An Electronically Created Item is defined under Regulation CC as an electronic image that has all the attributes of an electronic check or electronic returned check but was created electronically and not from a paper check.

If you discover a WIC associated with a UECI, submit an adjustment request to the Federal Reserve using the WIC ITYP.

Note: The comment field is required and must state the item is a UECI.

Your Action

Submit an Electronic Case or Adjustment Request Form (PDF). Use error type WIC.

Information about Warranty/Indemnity Claim (WIC) Associated with Unauthorized Electronically Created Items (UECIs) reporting time frames and actions.
Reporting Time Frame Federal Reserve Bank Action
Within 90 calendar days
of the cash letter date.
Same day acknowledgement - provided requirements are met.*

Provide entry within twenty business days.
After 90 calendar days
of the cash letter date.
Same day acknowledgement - provided requirements are met.*

No entry. Request is more than 90 calendar days old and is not eligible for handling through adjustments channels.

Required Attachments

A copy of the customer's written statement asserting under oath that the electronically created item was unauthorized.

Although a specific form is not required, the customer statement must clearly indicate that it was asserted under oath and must contain the Regulation CC language that serves as the basis for the indemnity claim - that the person or entity on whose account the electronically created item is drawn did not authorize the issuance of the item in the amount stated on the item or to the payee stated on the item.

Refer to the Documents to Follow (DTF) Image/Archive Reference Guide and the Check Adjustments Tips: Verify electronic requests and /or supporting documentation were received by the Federal Reserve Banks for more information on DTFs.

Required Fields

Information about Warranty/Indemnity Claim (WIC) Associated with Unauthorized Electronically Created Items (UECIs) 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) WIC Associated with Unauthorized Electronically Created Item WIC
Request Type (MTYP) Open (OPEN) Auto-fills with OPEN
Amount (AMT) Amount of the UECI
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 letter to your institution
FCL - Federal Reserve's ABA #
TCL - Your institution's ABA #
Product Class (PROD) Forward (FWD) FWD - forward
Comments (COM) The item is a UECI
Attachment (DTF) Attachment Attachment code from drop-down box
Cash Letter or Entry Date (CLED) Date of the cash letter
C/L Total (CLT) Cash letter total in which the item involved in the claim is contained
Tape Total (TT) Tape/bundle total in which the item involved in the claim is contained
Sequence # (SEQ) The Federal Reserve's ISN # of the item involved in the claim
Item Before (IBEF) Dollar amount of the item listed on the cash letter detail listing before the item involved in the claim. If the item involved in the claim is the first item, then enter .01.
Item After (IAFT) Dollar amount of the item listed on the cash letter detail listing after the item involved in the claim. If the item involved in the claim is the last item, then enter .01.

*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

The following investigation types are outdated and have minimal usage. These investigation types were eliminated on May 22, 2017.

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