Welcome to Consumer Reports Advocacy

For 85 years CR has worked for laws and policies that put consumers first. Learn more about CR’s work with policymakers, companies, and consumers to help build a fair and just marketplace at TrustCR.org

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

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.