![]() ![]() (See Commentary to Regulation CC, Section 229.2(bbb)). ![]() If a claim is made disputing the dollar amount of the check, but the dollar amount on the copy is legible enough to identify the correct amount even if the front of the check on the copy was blurry, the copy would be a Sufficient Copy since it would resolve the claim. A copy of an original check does not have to accurately represent all the information on the original check to be a Sufficient Copy if such copy contained all the information necessary to determine the validity of the relevant claim. If the copy is not accurate in the area needed to satisfy the claim, it would not be a considered a Sufficient Copy. When would a Sufficient Copy be used? A Sufficient Copy may be useful to a bank in responding to or validating an Expedited Re-credit claim, which may be made if the substitute check was not properly charged (Regulation CC, Section 229.54). When are the terms Copy and Sufficient Copy used? These terms are used in the context of Check 21 within Regulation CC for Expedited re-credit for consumers claim process (Regulation CC, Section 229.54) and Expedited re-credit for banks (Regulation CC, Section 229.55). What is a Sufficient Copy? According to Regulation CC 229.2(bbb), “A sufficient copy is a copy of an original check that accurately represents all of the information on the front and back of the original check as of the time the original check was truncated or is otherwise sufficient to determine whether or not a claim is valid.” Note that Regulation CC clarified the commentary to the definition to clarify that “sufficient copy”, which is used to resolve claims related to the receipt of a substitute check, must be a copy of the original check (and not the substitute check). What is a Copy? According to Regulation CC 229.2(bbb), “A copy of an original check means-(i) Any paper reproduction of an original check, including a paper printout of an electronic image of the check, a photocopy of the original check, or a substitute check or (ii) Any electronic reproduction of a check that a recipient has agreed to receive from the sender instead of a paper reproduction.” Note that Regulation CC has expanded the definition of copy to include an electronic reproduction.
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