scope:

This standard, including the normative annexes, establishes the file sequences, record types and field formats to be used for the electronic exchange of check MICR line data, associated check processing data, check images and optional user information in the form of cash letters.

This standard does not address operational, implementation or settlement issues. These issues may include, but are not limited to, a choice of: data and image compression, encryption, and transmission specifications and data representation. The informative annexes attached to this standard provide useful information for implementing the standard.

Data security and privacy issues related to the use of this standard are outside the scope of the standard. Users of the standard are advised to refer to ANS X9.73 Cryptographic Message Syntax (CMS), DSTU X9.99-2004, Privacy Impact Assessment Standard and the Gramm Leach Bliley Act.