[iowamomforfreedom]

I have been unsuccessful in finding out who carried this bill in the USA Congress. If anyone knows, please post here.

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You may thank Rep. Melissa Hart (R-PA). See this link for more info:
http://216.239.41.104/search?q=cache:5WPTMk4NeRMJ:www.govtrack.us/congress/bill.xpd%3Fbill%3Dh108-1474+%22Public+Law+No:+108-100%22&hl=en

You may also be interested in this link:
Questions and Answers About the Check Clearing for the 21st Century Act, "Check 21" (updated July 27, 2004)
http://www.consumersunion.org/finance/ckclear1002.htm

[Wolfie]

And here's the dinger:

"Different kinds of copies of a check will have different rights attached. Check 21 creates a new kind of paper copy of an electronic image of a check. This special kind of copy is called a "substitute check." Only a substitute check can be the legal equivalent of the original check, and only a substitute check triggers your right to recredit of disputed funds. A regular copy of a check does not carry these same protections. If you ask for a copy of a check, your bank may send you an ordinary copy instead of this special kind of copy which triggers legal rights and protections unless you ask for a substitute check."

Anybody wanna guess if the banks will charge you for ordering "substitute checks".