X9B Checks and Back-office Operations Subcommittee – Project Status

 

Current Work

X9.100-160-1-201X Magnetic Ink Printing (MICR) Part 1: Placement and Location

This standard is being reviewed to make possible updates and to improve usability. Part 1 of this standard covers only design considerations that apply to placement and location of magnetic ink printing on checks, drafts, and other documents intended for automated processing among depository institutions. Contact us if your organization would be interested in participating in the development of this standard.

 

X9.100-181-201X TIFF Image Format for Image Exchange

X9.100-181 is in need of a few minor updates in terminology and alignment with industry practice. The terminology changes are to ensure relative terms are defined in this standard. Updates are also needed to Image Length and Image Width to align with industry expectations for interoperability. This standard defines specific TIFF fields and parameters for check image exchange and the allowable values for those parameters. This standard will only address the use of G4 bilevel image (black/white) compressions within the TIFF 6.0 structure. A least common denominator approach was used to identify the fields that everyone should read and the required or allowable values for these fields that everyone will be expected to support. To accomplish interoperability, some of the fields and values are more restrictive compared to what is being generated in today’s environment. Contact us if your organization would be interested in participating in the development of this standard.

 

X9.100-187-201x Electronic Exchange of Check and Image Data – Domestic

With the change to Reg CC in July 2018, language used in the standard published in 2016 needs to be updated to reduce confusion. Making changes to the 25 record, field 15 (Archive Type) could provide additional tracking/information on the check payment while not requiring changes to systems. The purpose of this standard is to provide the financial industry with a format necessary to perform electronic check exchange (ECE), with or without images. The format supports forward presentment, posting, return notification, and return requests, as well as existing customer information reporting products. The standard also supports multiple check clearing alternatives, e.g., bank-to-bank, bank-to-switch. Contact us if your organization would be interested in participating in the development of this standard.

 

X9.144 Production Subpoena Orders Exchange

This standard is currently being drafted by the X9B22 Legal Orders workgroup. In today’s environment, subpoenas are served in multiple formats by federal, state, and local government agencies and law firms. These documents are served via mail, email, fax, or physically served to the bank. When the bank receives the orders the process for responding and fulfilling the order is highly manual, time-consuming, and prone to errors, and there are limited areas where automation is applied. By creating a set of standards for electronic file formats for the different request types, benefits will be realized by both the subpoena requester and responder through automation. Contact us if your organization would be interested in participating in the development of this standard.

 

X9.100-189 Virtual Paying Agent Stamp for Savings Bonds

This standard is currently being drafted by the X9B6 workgroup. X9.100-189 was developed to create a standard that defines a virtual paying agent stamp for Savings Bonds. A virtual stamp would eliminate the manual process of hand stamping the item. A standard to define the requirements of a virtual stamp will ensure the placement, font size, and data elements of the data provided are consistent and appropriate, and will not obscure important data on the bond. Contact us if your organization would be interested in participating in the development of this standard.