I am trying to complete a Reg CC Audit and am totally hung up on the Substitute Check part. For one it asks if we are a reconverting bank. According to all my sources, we are not, but they were not very convincing...how do I determine, without a shadow of a doubt that we are or are not a reconverting bank? Also as far as the recredit procedure, is this something that happens rarely? I have asked for documentation from Ops and they all look at me as though I have a third eye.