Mailing Chargeback: Brochure Explaining Check 21?

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Question:

When mailing a chargeback to a customer, is it required to include a brochure explaining Check 21? We give out disclosures at account opening explaining Check 21 and since it's been in place since 2004 do we really need to send one with every chargeback?

Answer:

It is still the law:

229.57(b)(2) Disclosure to consumers who receive substitute checks on an occasional basis.

(ii) The bank shall provide the disclosure described in paragraph (a) of this section to a consumer customer of the bank who receives a returned substitute check, at the time the bank provides such substitute check.