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New GAO Reports: Check 21 Act

  • Check 21 Act: Most Consumers Have Accepted and Banks Are Progressing Toward Full Adoption of Check Truncation, GAO-09-8, October 28, 2008: “The purpose of Check 21, which took effect in 2004, was to facilitate electronic check processing by authorizing the acceptance of substitute checks as the legal equivalent of the original checks.”

  • Check 21 Act: Questions for Consumers about Check 21 Act (GAO-09-9SP, October 2008), an E-supplement to GAO-09-8, GAO-09-9SP, October 28, 2008
  • Related reference, Federal Reserve Board, Check Clearing for the 21st Century Act

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