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Warranty/Indemnity Claim (WIC) Associated with Check 21 Items

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ITYP Description | Proper Usage

Warranty/Indemnity Claim Associated with Check 21 Items (WIC) – Depository institution alleges breach of a Check 21 warranty or indemnity.

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

Your Action

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

Information about Warranty/Indemnity Claim (WIC) Associated with Check 21 Items reporting time frames and actions.
Reporting Time Frame Federal Reserve Bank Action
Within one calendar year
of the cash/return letter date.
Same day acknowledgement - provided requirements are met.*

Respond to request within eighty business days.

Required Attachments

A substantially completed and signed Check 21 Warranty/Indemnity Claim Form (PDF) must be provided by the requester, as well as a copy of the substitute check or image item presented/returned in the ANSI X9.37 image cash/return letter involved in the claim. If the claim involves a multiple (typically double) payment, copies of both items involved should be provided. Supporting documentation should also be provided as proof of claimed damages.

Required Fields

Information about Warranty/Indemnity Claim (WIC) Associated with Check 21 Items 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 Check 21 Items WIC
Request Type (MTYP) Open (OPEN) Auto-fills with OPEN
Amount (AMT) Amount of the claim
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
Attachment (DTF) Attachment Attachment code from drop-down box
Comments (COM) Description of the request. If claim is due to multiple (typically double) payment of an item, include source information (FCL, TCL, CLED, CLT, TT, SEQ, IBEF and IAFT) of the first presentment. Also provide name, address, and phone number of the primary contact.
Cash Letter or Entry Date (CLED) Date of the cash/ return letter
C/L Total (CLT) Cash/return 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/return 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/return 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

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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