In the aftermath of 9/11 and delays in check processing, Congress was encouraged to evaluate check-processing procedures. The new Check Clearing for the 21st Century Act, otherwise known as Check 21, became effective October 28, 2004. It creates the legal framework and authorized use of an electronic substitute check in place of an original check. At the point of acceptance, an image of the original document is transmitted to the processor, which creates the substitute check from a scan of the original. Since the substitute check is now in an electronic format, the processing time is much shorter, therefore consumer checks may clear within a matter of days. Now more than ever it is important for consumers to have sufficient funds when writing checks so as to not incur insufficient fund charges. In addition, when consumers receive monthly statements, view checks online or request a copy of a check, those documents may not be the original, but the authorized substitute check. This technology enabled advances like remote deposit capture, in-branch check imaging and shorter hold times.