With the technology that exists today, there is no practical reason for continuing the use of remotely created checks. In fact, advanced technology makes them more dangerous than ever before. With the advent of new banking products such as remote deposit capture, those individuals attempting to commit fraud can submit unsigned checks without even paying a visit to a branch to deposit them. The remote submission of unsigned checks increases the velocity of items that can be submitted.

Remotely created checks create a significant risk to consumers and weaken the safety and integrity of the nation's payments systems. The banking industry should begin the process of discontinuing remotely created checks as quickly as possible.

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