Implementation of the Check Clearing for the 21st Century: hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Ninth Congress, first session, April 20, 2005
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ACH transaction BACa Bankers banking industry bill biller BUdnitz business day cashier's check Chairman BACHUS Check 21 Act check clearing check collection check fraud check images check-collection system checks are processed checks electronically clear checks community banks confusion Congress Consumer Credit consumer's account cost credit card credit union customers debit card direct deposit Duke efficient electronic check conversion electronic check processing Electronic Fund Transfers electronic payments Expedited Funds Availability Federal Reserve Banks Federal Reserve Board financial institutions Financial Services Fund Transfers Act Funds Availability Act funds availability schedules going Hayes hold periods ICBA image exchange implementation of Check Institutions and Consumer legislation Maloney McEntee million NACHA Rules NEUGEBAUER number of checks original check overdraft overdraft protection paper checks paying bank payments system percent problem Regulation CC responsible Roseman statement Subcommittee on Financial substitute checks sumers survey Thank Uniform Commercial Code