Just to be clear, the issue is, as I see it here, "is there a time limit as to how long a deposited check can be returned to the originator?".
I really don't have much input on that, it was some of the other statements I questioned.
Reg CC has to do with funds availability and could be of some interest. I think you are correct in that there are instances where a check can be returned past the normal deadlines.
This has gotten off topic from the original post and I accept some of the credit for that. You might want to start another thread if you want to post your findings.
