Check by Phone, Fax, or E-mail Software UCC Law

Check These Uniform Commercial Code References...
Recognized by the Banking Industry

Uniform Commercial Code

Uniform Commercial Code (UCC) Title 1, Section 1-202(39) and title 3, Section 3-104, 3-401 and 3-403.

Code of Federal Regulations, Title 12, Chapter II, part 12, part 210;
and regulation J.

Federal Reserve Bank, part 2, Section 4A-201 to 4A-212

Also see Romani v. Harris, 255 Md. 389.

New FTC Regulation: As of January 1, 1996, Regulation 16CFR Part 310 was placed into law. This requires that those who accept checks over the phone either record verbal authorization or a * notice be sent to anyone who purchases by phone.

Put the method of payment to the test...Write yourself a paper draft check from one bank account to another and watch it pass through.

* Sample Notice Anyone Can Use... to enclosed with the order.
Thank You for Your Order

We have processed your check by phone payment based on your verbal authorization for payment of this order, by a paper draft. Your payment has been processed through your bank as a normal check, and your account will never be accessed electronically. Don't forget to write the amount in your checkbook and void that check, just as if you had sent it to us, to pay for this order.

We appreciate the opportunity to be of service to you.

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