Thanks Trent. Good update. Here is a part of that text.
"The federal regulatory agencies have taken the position that verifying a check given to a merchant, whether it is contemporaneous with a purchase of merchandise by a customer or afterward, is within the exceptions and not subject to opt out by the customer. Accordingly, if a bank wishes to verify checks to merchants, it may do so without giving the customer the right to opt out of those verifications."
Read the entire document for additional cautions where this exception may not apply.
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Andy Zavoina
Opinions stated are not necessarily that of my employer.