Unauthorized Remotely Created Check (URCC)

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ITYP Description | Proper Usage

Unauthorized Remotely Created Check (URCC) - Used by the Paying Bank to request a credit entry in response to their allegation a remotely created check was not authorized in the amount stated on the check to the payee indicated on the check and does not bear a signature applied, or purported to be applied, by the person on whose account the check is drawn.

If you discover a URCC, submit an adjustment request to the Federal Reserve.

Your Action

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

In consideration of the national emergency due to COVID-19, we have temporarily extended the reporting time frame on Unauthorized Remotely Created Checks (URCCs) from within 90 calendar days of the cash letter date to within 150 calendar days of the cash letter date to allow financial institutions time to obtain the appropriate customer’s signature on the required attachment. We will continue to assess these changes, with the expectation to revert back to the previous reporting time frame requirements at the appropriate time.

Reporting Time Frame and Federal Reserve Bank Action

Unauthorized Remotely Created Check (URCC) reporting time frames and actions.
Reporting Time Frame Federal Reserve Bank Action
Within 150 calendar days
of the cash letter date of the original presentment of the item in dispute.
Same day acknowledgement - Provided requirements are met.* Provide entry within five business days.
After 150 calendar days
of the cash letter date of the original presentment of the item in dispute.
Same day acknowledgement - Provided requirements are met.* No entry. Request is more than 150 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 item in question was unauthorized, and a legible photocopy of the front and back of the item in dispute.

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 warranty claim - that the person or entity on whose account the remotely created check is drawn did not authorize the issuance of the check in the amount stated on the check to the payee stated on the check.

In consideration of the remote work arrangements many of our customers are experiencing due to COVID-19, we are temporarily allowing electronic signatures on Check Adjustment forms that require an authorized, written representation, signature. We will continue to assess these changes, with the expectation to revert back to previous requirements regarding signatures at the appropriate time.

Required Fields

Unauthorized Remotely Created Check (URCC) required fields for paper forms and FedLine messages.
Field Name Paper Form FedLine CA1000 Message
Sender ABA (SNDR) and Contact Information Your institution's ABA number, Name, Street Address, City, State, Contact Telephone Number (TELE), Contact Name (CNTC) and Respondent's ABA number (if applicable) Auto-fills with your institution’s 9-digit ABA number. Contact Name (CNTC) and Contact Telephone Number (TELE).
Receiver ABA (RCVR) Receiving Federal Reserve Bank's name and/or ABA number Auto-fills with the Federal Reserve Bank’s ABA number 061000146
Case Investigation Type (ITYP) Unauthorized Remotely Created Check (URCC) Unauthorized Remotely Created Check (URCC)
Message Type (MTYP) Open (OPEN) Open (CA1000)
Case Amount (AMT) Amount of the item Amount of the item
Entry Type (ETYP) Credit (CR) Credit
Sender Reference Number (SREF) Your institution’s case number (max of 14 characters)
From Cash Letter ABA (FCL) & To Cash Letter ABA (TCL) The Federal Reserve sent the cash letter to your institution
FCL - Federal Reserve Bank's ABA number
TCL - Your institution's ABA number
Product Type (PROD) Forward (FWD) Forward
Attachment Attachment Upload File
Cash Letter or Entry Date (CLED) Date of the cash letter
Cash Letter 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 Number (SEQ) The Federal Reserve Bank's item sequence number (ISN) of the item involved in the claim
Item Before Amount (IBEF) Dollar amount of the item listed on the cash letter detail listing before the item. If the item is the first item, then enter .00.
Item After Amount (IAFT) Dollar amount of the item listed on the cash letter detail listing after the item. If the item is the last item, then enter .00.

*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 (attachments) must be provided at the same time the electronic adjustment message is submitted.

All paper adjustment requests received at the Check Adjustments Centralized Data Entry Site by 11:00 a.m. ET with complete information and documentation will receive same day entry/acknowledgement.

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Retired Investigation Types

The following investigation types (ITYPS) have been retired and are no longer in use as an ITYP. Refer to each ITYP for action steps should the need arise to report the error condition or service request.

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