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United States · Law · HR

H.R. 1474 (108th)

Check 21 Act

enactedUnited States· United States Congress· EN

Introduced

27 March 2003

Last action

28 October 2003 · President

Status

Became Public Law No: 108-100.

Sponsors

Rep. Hart, Melissa A. [R-PA-4], Rep. Ford, Harold E., Jr. [D-TN-9], Rep. Ferguson, Mike [R-NJ-7], Rep. Oxley, Michael G. [R-OH-4], Rep. Bachus, Spencer [R-AL-6], Rep. Crowley, Joseph [D-NY-14], Rep. Jones, Walter B., Jr. [R-NC-3], Rep. Royce, Edward R. [R-CA-39], Rep. Kelly, Sue W. [R-NY-19], Sen. Toomey, Patrick [R-PA], Rep. Gillmor, Paul E. [R-OH-5], Rep. Hinojosa, Ruben [D-TX-15], Rep. Lucas, Ken [D-KY-4], Rep. Ross, Mike [D-AR-4], Rep. McCarthy, Carolyn [D-NY-4], Rep. McIntyre, Mike [D-NC-7], Del. Norton, Eleanor Holmes [D-DC-At Large], Rep. Boswell, Leonard L. [D-IA-3], Rep. Shays, Christopher [R-CT-4], Rep. Alexander, Rodney [R-LA-5], Rep. Ney, Robert W. [R-OH-18], Rep. Pryce, Deborah [R-OH-15], Rep. Sessions, Pete [R-TX-17], Rep. Moore, Dennis [D-KS-3], Rep. Clay, Wm. Lacy [D-MO-1], Rep. Harris, Katherine [R-FL-13], Rep. Hensarling, Jeb [R-TX-5], Rep. Maloney, Carolyn B. [D-NY-12], Rep. Kennedy, Mark R. [R-MN-6], Rep. Rodriguez, Ciro D. [D-TX-28], Rep. Cunningham, Randy (Duke) [R-CA-50], Rep. King, Peter T. [R-NY-2], Rep. Murphy, Tim [R-PA-18]

Subjects

Education

Source updated

7 April 2025

Education

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Summary

Check Clearing for the 21st Century Act of 2003 - Sets forth a statutory framework under which a substitute check is the legal equivalent of an original check for all purposes, if the substitute check: (1) accurately represents all of the information on the front and back of the original check as of the time the original check was truncated; and (2) bears the legend: "This is a legal copy of your check. You can use it the same way you would use the original check." Prescribes implementation guidelines, including: (1) substitute check warranties; (2) indemnity procedures; (3) expedited recredit claims for consumers and for banks; (4) procedures for claims; (5) measure of damages; (6) statute of limitations; and (7) consumer education materials.

This text is taken from the official record. PoliticalRepo does not editorialize.

Timeline

  1. 27 March 2003

    Introduced

    Referred to the House Committee on Financial Services.

    Source: IntroReferral

  2. 27 March 2003

    Introduced

    Introduced in House

    Source: IntroReferral

  3. 27 March 2003

    Introduced

    Introduced in House

    Source: IntroReferral

  4. 8 April 2003

    Committee

    Subcommittee Hearings Held.

    Source: Committee

  5. 8 April 2003

    Referred

    Referred to the Subcommittee on Financial Institutions and Consumer Credit.

    Source: Committee

  6. 14 May 2003

    Committee

    Forwarded by Subcommittee to Full Committee by Voice Vote.

    Source: Committee

  7. 14 May 2003

    Committee

    Subcommittee Consideration and Mark-up Session Held.

    Source: Committee

  8. 21 May 2003

    Reported

    Ordered to be Reported (Amended) by Voice Vote.

    Source: Committee

  9. 21 May 2003

    Committee

    Committee Consideration and Mark-up Session Held.

    Source: Committee

  10. 2 June 2003

    Calendars

    Placed on the Union Calendar, Calendar No. 67.

    Source: Calendars

  11. 2 June 2003

    Reported

    Reported (Amended) by the Committee on Financial Services. H. Rept. 108-132.

    Source: Committee

  12. 2 June 2003

    Reported

    Reported (Amended) by the Committee on Financial Services. H. Rept. 108-132.

    Source: Committee

  13. 3 June 2003

    Reported

    Rules Committee Resolution H. Res. 256 Reported to House. Rule provides for consideration of H.R. 1474 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit. Measure will be read by section. Bill is open to amendments.

    Source: Floor

  14. 5 June 2003

    Introduced

    Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

    Source: IntroReferral

  15. 5 June 2003

    Passed

    Motion to reconsider laid on the table Agreed to without objection.

    Source: Floor

  16. 5 June 2003

    Vote

    On passage Passed by the Yeas and Nays: 405 - 0 (Roll no. 246).

    Source: Floor

  17. 5 June 2003

    Vote

    Passed/agreed to in House: On passage Passed by the Yeas and Nays: 405 - 0 (Roll no. 246).

    Source: Floor

  18. 5 June 2003

    Reported

    Considered under the provisions of rule H. Res. 256. (consideration: CR H4996-5005; text of measure as reported in House: CR H5001, H5002-5005)

    Source: Floor

  19. 5 June 2003

    Floor

    Rule provides for consideration of H.R. 1474 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit. Measure will be read by section. Bill is open to amendments.

    Source: Floor

  20. 5 June 2003

    Floor

    The previous question was ordered pursuant to the rule.

    Source: Floor

  21. 5 June 2003

    Floor

    The House rose from the Committee of the Whole House on the state of the Union to report H.R. 1474.

    Source: Floor

  22. 5 June 2003

    Floor

    The Speaker designated the Honorable Ray LaHood to act as Chairman of the Committee.

    Source: Floor

  23. 5 June 2003

    Floor

    House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 256 and Rule XXIII.

    Source: Floor

  24. 5 June 2003

    Passed

    Rule H. Res. 256 passed House.

    Source: Floor

  25. 27 June 2003

    Floor

    Measure laid before Senate by unanimous consent. (consideration: CR S8811-8815)

    Source: Floor

  26. 27 June 2003

    Passed

    Passed/agreed to in Senate: Passed Senate in lieu of S. 1334 with an amendment by Unanimous Consent.(text: CR S8811-8815)

    Source: Floor

  27. 27 June 2003

    Discharge

    Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.

    Source: Discharge

  28. 27 June 2003

    Committee

    Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.

    Source: Committee

  29. 7 July 2003

    Floor

    Message on Senate action sent to the House.

    Source: Floor

  30. 10 July 2003

    ResolvingDifferences

    The Speaker appointed conferees for consideration of the House bill and the Senate amendment, and modifications committed to conference: Oxley, Bachus, LaTourette, Hart, Tiberi, Frank (MA), Sanders, and Ford.

    Source: ResolvingDifferences

  31. 10 July 2003

    Passed

    Motion to reconsider laid on the table Agreed to without objection.

    Source: ResolvingDifferences

  32. 10 July 2003

    Passed

    On motion that the House disagree to the Senate amendment, and request a conference Agreed to without objection. (consideration: CR H6582)

    Source: ResolvingDifferences

  33. 10 July 2003

    ResolvingDifferences

    Mr. Tiberi asked unanimous consent that the House disagree to the Senate amendment, and request a conference.

    Source: ResolvingDifferences

  34. 11 July 2003

    Floor

    Message on House action received in Senate and at desk: House requests a conference.

    Source: Floor

  35. 15 July 2003

    ResolvingDifferences

    Senate insists on its amendment, agrees to request for a conference, appoints conferees Shelby; Bennett; Allard; Sarbanes; Johnson. (consideration: CR S9431)

    Source: ResolvingDifferences

  36. 16 July 2003

    Floor

    Message on Senate action sent to the House.

    Source: Floor

  37. 1 October 2003

    ResolvingDifferences

    Conference report H. Rept. 108-291 filed. (text of conference report: CR H9083-9090)

    Source: ResolvingDifferences

  38. 1 October 2003

    ResolvingDifferences

    Conference report filed: Conference report H. Rept. 108-291 filed.(text of conference report: CR H9083-9090)

    Source: ResolvingDifferences

  39. 8 October 2003

    Passed

    On agreeing to the conference report Agreed to by voice vote. (consideration: CR H9293)

    Source: ResolvingDifferences

  40. 8 October 2003

    Passed

    Motions to reconsider laid on the table Agreed to without objection.

    Source: ResolvingDifferences

  41. 8 October 2003

    Passed

    Conference report agreed to in House: On agreeing to the conference report Agreed to by voice vote.(consideration: CR H9293)

    Source: ResolvingDifferences

  42. 8 October 2003

    ResolvingDifferences

    The previous question was ordered without objection.

    Source: ResolvingDifferences

  43. 8 October 2003

    Floor

    DEBATE - The House proceeded with one hour of debate on the conference report to accompany H.R. 1474.

    Source: Floor

  44. 8 October 2003

    Passed

    Mr. Oxley brought up conference report H. Rept. 108-291 by previously agreed to special order. (consideration: CR H9289-9293)

    Source: ResolvingDifferences

  45. 14 October 2003

    ResolvingDifferences

    Conference papers: Senate report and manager's statement and message on House action held at the desk in Senate.

    Source: ResolvingDifferences

  46. 15 October 2003

    Passed

    Senate agreed to conference report by Unanimous Consent. (consideration: CR S12632-12633)

    Source: ResolvingDifferences

  47. 15 October 2003

    Passed

    Conference report agreed to in Senate: Senate agreed to conference report by Unanimous Consent.(consideration: CR S12632-12633)

    Source: ResolvingDifferences

  48. 16 October 2003

    Floor

    Message on Senate action sent to the House.

    Source: Floor

  49. 23 October 2003

    Floor

    Presented to President.

    Source: Floor

  50. 23 October 2003

    President

    Presented to President.

    Source: President

  51. 28 October 2003

    Became law

    Became Public Law No: 108-100.

    Source: President

  52. 28 October 2003

    Became law

    Signed by President.

    Source: BecameLaw

  53. 28 October 2003

    President

    Signed by President.

    Source: President

Votes

No vote records are attached yet.

Versions

Documents

20 official files

Enrolled Bill (text)

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  • Enrolled Bill (text)

    Enrolled Bill · EN

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  • Enrolled Bill (PDF)

    Enrolled Bill · EN

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  • Public Law (text)

    Public Law · EN · 28 October 2003

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  • Public Law (PDF)

    Public Law · EN · 28 October 2003

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  • Public Law

    summary · EN · 28 October 2003

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  • Conference report filed in House

    summary · EN · 1 October 2003

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  • Engrossed Amendment Senate (text)

    Engrossed Amendment Senate · EN · 27 June 2003

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  • Engrossed Amendment Senate (PDF)

    Engrossed Amendment Senate · EN · 27 June 2003

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  • Passed Senate amended

    summary · EN · 27 June 2003

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  • Referred in Senate (text)

    Referred in Senate · EN · 5 June 2003

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  • Referred in Senate (PDF)

    Referred in Senate · EN · 5 June 2003

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  • Engrossed in House (text)

    Engrossed in House · EN · 5 June 2003

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  • Engrossed in House (PDF)

    Engrossed in House · EN · 5 June 2003

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  • Passed House amended

    summary · EN · 5 June 2003

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  • Reported in House (text)

    Reported in House · EN · 2 June 2003

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  • Reported in House (PDF)

    Reported in House · EN · 2 June 2003

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  • Reported to House with amendment(s)

    summary · EN · 2 June 2003

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  • Introduced in House (text)

    Introduced in House · EN · 27 March 2003

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  • Introduced in House (PDF)

    Introduced in House · EN · 27 March 2003

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  • Introduced in House

    summary · EN · 27 March 2003

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Direct relationships

  • Identifier matchPROJECTS_FROM

    Same us record 108-hr-1474 projected from PoliticalRepo US row.

    Check 21 Act

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