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A substitute check (also called an Image Replacement Document or IRD) [1] is a negotiable instrument that is a digital reproduction of an original paper check.As a negotiable payment instrument in the United States, a substitute check maintains the status of a "legal check" in lieu of the original paper check, as authorized by the Check Clearing for the 21st Century Act (the Check 21 Act).
A substitute check or cheque, also called an image cash letter (ICL), clearing replacement document (CRD), [1] or image replacement document (IRD), [2] is a negotiable instrument used in electronic banking systems to represent a physical paper cheque (check).
The Check Clearing for the 21st Century Act (or Check 21 Act) is a United States federal law, Pub. L. 108–100 (text), that was enacted on October 28, 2003 by the 108th U.S. Congress.
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New Jersey renters who were 64 and younger in 2021 will receive $450, while renters who were older than 64 in 2021 will receive $700. Check my ANCHOR status.
Eventually, under the single- State/multi-State plan adopted by the FBI, NCIC/CCH would maintain only summary data in the form of an index of single-State offenders, while the States would maintain detailed records. For multi-State offenders and Federal offenders, NCIC/CCH would maintain the detailed records." [1] [2]
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