ANSI X9/TG-8 : 2002

FOREWORD
TABLE OF CONTENTS
1 INTRODUCTION
   1.1 PURPOSE AND SCOPE
   1.2 REFERENCES
2 LIFE CYCLE OF A CHECK
3 CHECK PRINTERS AND CHECK STOCK RETAILERS
   3.1 CHECK PRINTERS
   3.2 CHECK STOCK RETAILERS
4 CHECKS, DRAFTS AND MONEY ORDERS
   4.1 BANK DRAFTS
   4.2 CASHIER'S CHECKS AND OFFICIAL CHECKS
   4.3 CERTIFIED CHECKS
   4.4 DEMAND DRAFTS
   4.5 MONEY ORDERS
   4.6 PAYABLE-THROUGH-DRAFTS
   4.7 TRAVELER'S CHECKS
   4.8 TREASURY CHECKS
   4.9 WARRANTS
   4.10 PRE-AUTHORIZED DRAFTS
5 TYPES OF CHECK FRAUD
   5.1 ALTERATION
   5.2 FORGERY
   5.3 COUNTERFEIT
   5.4 "BAD" CHECKS
   5.5 CHECK KITING
   5.6 PRE-AUTHORIZED DRAFTS
6 MANUAL DETECTION
   6.1 ALTERATION DETECTION
   6.2 FORGERY DETECTION
   6.3 COUNTERFEIT DETECTION
   6.4 CHARACTERISTICS AND DETECTION OF CHECK KITING
7 PHYSICAL CHECK SECURITY FEATURES
   7.1 PROTECTION TECHNIQUES
   7.2 PAPER FEATURES
   7.3 DESIGN FEATURES
   7.4 PRINTING FEATURES
   7.5 REACTIVE INKS
   7.6 OTHER FEATURES
   7.7 ALTERED OR COUNTERFEITED FEATURE APPEARANCE
   7.8 SECURITY FEATURE MATRIX SUMMARY
8 CUSTOMER
   8.1 CUSTOMER SECURITY PROCEDURES
   8.2 CUSTOMER (AS CHECK PRINTER) SECURITY PROCEDURES
9 PAYEE
   9.1 ACCEPTING CHECKS AS PAYMENT
10 FINANCIAL INSTITUTIONS
   10.1 FINANCIAL INSTITUTIONS
   10.2 COLLECTING BANK
   10.3 PAYOR BANK
   10.4 ACCESS
   10.5 NEW ACCOUNTS
   10.6 CHECK PRINTERS
   10.7 TRASH
   10.8 CHARGE CARD CHECKS
   10.9 SIGNATURE VERIFICATION
11 LOSS REPORTING CATEGORIES
   11.1 CHECK RELATED LOSS CATEGORIES
12 LAW ENFORCEMENT
   12.1 ISSUING
   12.2 PROCESSING
13 EDUCATION
   13.1 ACCESS
   13.2 PREVENTION AND DETECTION
14 IN-STORE BANKING
15 ON-LINE BANKING
   15.1 ATMS
   15.2 INTERNET WEB SITES
APPENDIX A
APPENDIX B
APPENDIX C
APPENDIX D
APPENDIX E
APPENDIX F

Provides those who participate in the paper document processing system, namely financial institutions, check vendors and merchants, with the information they need to educate their employees and customers about fraud, and to identify and implement the fraud prevention programs appropriate for their business.