We are in the process of revising our disclosures and making less paper work where it can happen. Is there a problem with including the information aboutu substitute checks in the funds availability disclosure as long as it is clearly outlined?

Any guidance would be appreciated.

Jenny

Do you have a separate Funds Availability disclosure for business accounts? If so, you can add the Substitute Check disclosure to your consumer version and leave it off the business disclosure (businesses aren't entitled to the SC disclosure). Otherwise, I see no problem combining the two.

That said, you will still need a separate SC disclosure to give consumer customers who get a SC (other than in a statement) from you.