Questions and Answers About the Check Clearing for the 21st Century Act, “Check 21

Questions and Answers About the Check Clearing for the 21st Century Act, “Check 21”
(updated July 27, 2004)
(Check 21 goes into effect October 28, 2004)
Summary:
Check 21 is sweeping new federal law that takes away your ability to get back your original paper checks. This complicated law gives you some rights, but those rights depend on a variety of factors, including how the merchant and the bank decide to process your check.
For tips from Consumers Union click here.