Regulatory Alerts2026-07-23 | A 8458Added · Updated
Circular SINAP 1-251: National Payments System - Checks and Other Negotiable Instruments Update
Financial entities and authorized systemically important financial market infrastructures must update the consolidated text of the National Payments System regulations regarding checks and other negotiable instruments. The update mandates that the Certification for Civil Actions (CAC) for rejected electronic checks (ECHEQ) be issued on paper, signed by two authorized officials, and include a visualization code for centralized verification via the Low-Value Clearing House. Depository financial entities are exclusively responsible for issuing this certification upon beneficiary request, which blocks the ECHEQ registration in the storage system. These provisions replace previous sheets and are effective from July 24, 2026.
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