The State of New Jersey
NJ Department of Banking and Insurance
Home > Consumer Information > Personal Finance > Check 21
Check Clearing for the 21st Century Act, "Check 21"

"Check 21" is a federal law that made important changes in the way that checks clear. Checks processed under the law will generally clear much faster than before so consumers need to make sure that they have money already in their accounts to cover the checks they write or they could get charged bounced check fees.

The Federal Reserve Board administers this law and is the designated governmental authority on its provisions.

To access Federal Reserve guidance for consumers, please click on the following link:
Federal Reserve Consumer Guide to Check 21 and Substitute Checks

In addition, you may also find the following link helpful:

OPRA is a state law that was enacted to give the public greater access to government records maintained by public agencies in New Jersey.
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New Jersey Department of Banking and Insurance