ACA International Divisions & MarketsTechnology ToolsStatutory Penalties Guide for Returned Checks

Statutory Penalties Guide for Returned Checks

Statutory Penalties Guide for Returned Checks (SPG) is a general guide to important check laws in each state. Each state includes the following: check service fee, check specific civil lawsuit statutes, statutes of limitation, uniform commercial code, criminal statutes, restitution programs and more.

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This two volume set is a compendium of check laws in all 50 states, including Washington, D.C., Guam, Puerto Rico and the Virgin Islands. Each state includes the following sections:

  • Service fee provision
  • Additional damages provision
  • Notice of dishonor requirements
  • Post–dated check provisions
  • Stop payment
  • Signature requirements
  • Accord and satisfaction
  • Alteration of an instrument
  • Identification requirements
  • Rights and obligations of parties
  • Statute of limitations
  • Electronic presentment
  • Criminal provisions
  • District attorney restitution programs
  • Check casher/Payday lender/Deferred presentment

This guide is a work in progress as the laws are constantly changing. Electronic updates are available on ACA Online. The manual is available for purchase through the Online Store.

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