Even in situations in which so-called "Rule 9" check fraud warranties are involved, it would be too late for the paying bank to press a breach of warranty claim under Rule 9.
The paying bank is either ignorant of the law/rules, or is hoping that your bank is ignorant so that it doesn't need to take a loss. In some states (Florida and Georgia, for instance), it might even be too late for THEIR depositor to press a claim that the check wasn't authorized.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8