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All About Check
A Guide to 2018 Reg CC & ECCHO Rules Updates
This session provides the history and the specifics of the Regulation CC amendments that became effective July 1, 2018. Listen to learn the whys and whats of the new amendments that are now part of the regulatory landscape.
Length: 90 minutes
NCP Credits: 1.80
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Check Basics: What every banker should know
Do you know check? This session reviews the components of a check, how a check is paid, and the risks a bank takes when processing and paying checks. An excellent training resource for tellers, bankers and all frontline staff.
Length: 34 minutes
NCP Credits: 0.75
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Check Fraud Risk and Mitigation
Every FI lives with the risk of check fraud. This session will discuss the various types of fraud, and ways to mitigate the risk of accepting and paying checks.
Length: 50 minutes
NCP Credits: 1.00
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Check Scanning: Branch and Teller Capture
Basic training for front line staff on the how-to’s of check scanning. This session will cover the BOFD warranties, how to mitigate the risk of warranty breach, and the whys of check scanning controls.
Length: 35 minutes
NCP Credits: 0.75
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Check: Where is the Rule Book?
Where does it say . . .? What rules and regulations govern what? Check law and regulation is not found in one place. Learn where to find warranties and indemnities, and what your FI’s obligations are when processing checks.
Length: 45 minutes
NCP Credits: 1.00
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Regulation CC: Definitions and Funds Availability
This session reviews the definitions of check and the obligation of depositary banks to provide appropriate availability for check deposits. A must for frontline staff and bankers.
Length: 22 minutes
NCP Credits: 0.50
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Regulation CC: Warranties and Indemnities
Learn and understand Reg CC warranties and indemnities, and help your financial institution mitigate compliance risk and control operational losses. A must for compliance, operations and fraud staff.
Length: 33 minutes
NCP Credits: 0.75
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Rule 9
Rule 9 is for ECCHO Members only. Learn the fundamentals of Rule 9, what it is, how it works, and when a Rule 9 claim can be made.
Length: 21 minutes
NCP Credits: 0.50
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Uniform Commercial Code: Articles 3 & 4
Learn the definitions, warranties and other obligations of paying and depositary banks as contained in UCC. Operations, compliance staff and frontline staff will benefit from understanding the fundamentals of UCC 3 & 4.
Length: 34 minutes
NCP Credits: 0.75
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US Treasury Checks: What You Need to Know
Learn the Presentment Guarantees outlined in CFR 31 §240.4 that are made to the US Treasury when presenting US Treasury Checks. This session will help you understand your obligations, risks & risk mitigation for handling US Treasury Checks.
Length: 45 minutes
NCP Credits: 0.90
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Warranty Breaches and Dealing Direct
What do you do when a warranty that was made to you was breached by the warrantor? This session addresses the legal framework governing check, the warranties made by exchange parties, and how to resolve warranty breach claims.
Length: 54 minutes
NCP Credits: 1.00
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What do I do when . . .
Altered Check
What do you do when your customer reports an altered check has paid? What to you do when you get a claim from a paying bank that you presented an altered check? Learn the altered check warranty and who is responsible.
Length: 15 minutes
NCP Credits: 0.25
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Cashier’s Checks
What do you do when a Cashier’s check issued by your FI is reported lost, stolen or destroyed? Learn the definitions and obligations of issuing and paying Cashier’s checks as defined in Regulation CC and UCC.
Length: 27 minutes
NCP Credits: 0.50
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Duplicate Checks
Duplicate Processing: Understand the Differences between Duplicate Warranty, RDC Indemnity and Holder in Due Course.
Length: 60 minutes
NCP Credits: 1.20
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Forgeries and Counterfeits
What do you do when your customer reports a forged or counterfeit check has paid? Who is liable? Is there recourse for the Paying Bank when an unauthorized check has paid and it’s too late to return it?
Length: 19 minutes
NCP Credits: 0.50
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HIDC Claims
What in the world is Holder in Due Course? Why is my customer getting calls from a check casher? What rights does the person who accepted a paper check have if it is returned not paid?
Length: 15 minutes
NCP Credits: 0.50
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Indorsement Claims
What do you do when your customer tells you a payee of a check they wrote claims they never received the funds? What do you do when you as a BOFD get a warranty breach claim?
Length: 32 minutes
NCP Credits: 0.75
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Presumption of Alteration
What does Presumption of Alteration mean, and how does that affect a claim of altered check?
Length: 18 minutes
NCP Credits: 0.50
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RDC Indemnity 101
What do you do when you are an RDC depositary bank and you receive and indemnity claim? What do you do when you are a depositary bank of a paper check and you get it returned as PAID or duplicate and you suffer a loss?
Length: 34 minutes
NCP Credits: 0.50
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Remotely Created Check
What do you do when a customer reports an unauthorized remotely created check paid their account? Who is liable? What recourse does the Paying Bank have?
Length: 25 minutes
NCP Credits: 0.75
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Complimentary Webinars
Canadian Cheques – Processing & Exchange
Overview of Canadian banking, cross border exchange, ECCHO Rules for clearing Canadian items in the U.S. and recent survey results of ECCHO member banks engaged in Canadian image clearing.
Length: 60 minutes
NCP Credits: 1.20
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Depositary Bank RDC Risk & Holder in Due Course
This live recording of an Exceptions and Fraud Working Group meeting discusses the risks, warranties and obligations of a depositary bank when it accepts deposits remotely, and the conditions to claim Holder in Due Course status.
Length: 90 minutes
NCP Credits: 1.80
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Overview of Changes to Regulation CC Subpart B
Overview of changes to Reg CC Subpart B, released on June 24, 2019 to implement Dodd-Frank requirements: Inflation adjustment to dollar & Extending coverage of the EFA Act to certain American territories.
Length: 45 minutes
NCP Credits: 0.90
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UCC Top Ten
What are some of the key provisions of UCC everyone should know? This session provides the details in a simple Top Ten countdown.
Length: 30 minutes
NCP Credits: 0.60
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UDAAP: What It Is and Where It Applies
UDAAP stands for ‘unfair, deceptive or abusive acts or practices.’ This session provides an overview of the statutory and regulatory framework for UDAAP avoidance, & discuss recent enforcement actions involving financial products & services.
Length: 90 minutes
NCP Credits: 1.80
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X9 Standards: EPC and RCCs
This session provides a discussion of X9 standards and use of EPC digit (value ‘6’) to identify RCCs. Benefits of tracking RCCs discussed as well as recent standards updates to align to Reg CC.
Length: 50 minutes
NCP Credits: 1.20
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ECCHO OPS Updates
Spring 2021 ECCHO Operations Committee Meeting
Virtual Operations Committee meeting including required business, Canadian Cheque Clearing Update, Legal & Regulatory Update, and various ECCHO updates.
Length: 90 minutes
NCP Credits: 1.80
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Spring 2021 Operations Committee Educational Session: Understanding Return Obligations
This session presented the legal framework around returns, the late return epidemic, the rules and agreements covering exchanges, and unauthorized checks and dealing direct.
Length: 90 minutes
NCP Credits: 1.80
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September 2020 ECCHO Operations Committee Educational Session
Understanding check warranties, the responsibilities of the financial institutions involved in check exchange and knowing how to resolve warranty breaches.
Length: 90 minutes
NCP Credits: 1.80
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Federal Reserve Check Sample Survey including Covid/Check Market Update
Mike Williams reported the findings of the Federal Reserve Check Sample Study (released 8-3-20) and provided an update on check volumes. Keith Melton provided a Covid and payments market update.
Length: 90 minutes
NCP Credits: 1.80
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