X9 ASC X9 TR 52-2021

This report presents guidelines for the design and usage of Unsigned Items including Remotely Created Checks (RCC). RCC items are a subclass of Unsigned Items, they all share the same characteristic of not bearing the signature of the Payor (also known as the maker or drawer, and is the check writer). RCC items are not created by the Paying bank while Unsigned Items can be created by the Paying bank or its agent. Although Unsigned Items are legitimate payment instruments many of the Unsigned Items being cleared today do not follow any design or usage guidelines. These items cause manual exception processing to complete the clearing process. The intent of this technical report is to provide a single document to originators and processors of Unsigned Items to provide guidance.