Would anyone know how many times we are to provide the disclosure to customers when we return a Check 21 item? That is, are we only required to provide them with the disclosure once, or each time we return an item?

Each time you provide your consumer customer an actual substitute check -- charged-back items or in response to a request for a legible copy are a couple of examples when a substitute check MIGHT be provided -- you have to provide the disclosure.

This question came up just today: Is that for consumer accounts only, or business, as well?

Emphasis added

Do most banks just use the wording from model form C-5A of Appendix C to Regulation CC for all situations when the disclosure is required or have people adjusted the wording to deal with a returned item that is a substitute check? If anyone has come up with special wording for a returned substitute check, would you be willing to share? Thank you.

Use the model langauge:

Appendix C to Part 229-Model Availablity Policy Disclosures, Clauses, and Notices; Model Substitute Check Policy Disclosure and Notices

This appendix contains model availability policy and substitute check policy disclosures, clauses, and notices to facilitate compliance with the disclosure and notice requirements of Regulation CC (12 CFR 229). Although use of these models is not required, banks using them properly (with the exception of models C-22 through C-25) to make disclosures required by Regulation CC are deemed to be in compliance.