[Title 32 CFR 527.45]
[Code of Federal Regulations (annual edition) - July 1, 2002 Edition]
[Title 32 - NATIONAL DEFENSE]
[Chapter V - DEPARTMENT OF THE ARMY]
[Subchapter A - AID OF CIVIL AUTHORITIES AND PUBLIC RELATIONS]
[Part 527 - PERSONAL CHECK CASHING CONTROL AND ABUSE PREVENTION]
[Subpart E - Training]
[Sec. 527.45 - Remedial training.]
[From the U.S. Government Printing Office]
32NATIONAL DEFENSE32002-07-012002-07-01falseRemedial training.527.45Sec. 527.45NATIONAL DEFENSEDEPARTMENT OF THE ARMYAID OF CIVIL AUTHORITIES AND PUBLIC RELATIONSPERSONAL CHECK CASHING CONTROL AND ABUSE PREVENTIONTraining
Sec. 527.45 Remedial training.
Remedial training is mandatory for checkwriters committing an
offense. Emphasis will be on checkbook management skills. This training
is a prerequisite for removal from check-cashing suspensions. (See
Secs. 527.25 through 527.28.) Remedial training will include budget
counseling when budget problems exist. After completion of the remedial
training the individual will be given a test on checkbook maintenance.
The ICCO will require 70% or greater correct responses for passing the
test. The individual must be able to demonstrate successful completion
of the training and that he/she has the ability to properly maintain a
checking account.
(Office Symbol) (Date)
MEMORANDUM THRU (Installation Check Control Officer)
FOR (All Installation Check-cashing Facilities)
SUBJECT: Disclaimer of Responsibility
1. Effective this (date) day of (month and year) I, (name), disclaim
responsibility for any check issued by the person(s) listed below:
Name____________________________________________________________________
SSN_____________________________________________________________________
Address_________________________________________________________________
Relationship____________________________________________________________
2. I have advised the individual(s) named above that I have
disclaimed responsibility for check(s) presented by them to military
check-cashing facilities. I have also advised the above named person(s)
that their check-cashing privileges in these facilities may no longer be
authorized.
(Signature)
(SSN)
(Address)
(Unit)
Note. --This memorandum must be notarized by a licensed notary
public prior to submission.
Figure 2-1. Sample of Notice of Disclaimer of Responsibility By Sponsor
(Office Symbol) (Date)
MEMORANDUM THRU (unit commander of active duty check writer or sponsor,
State adjutant general for members of the Army National Guard,
or supervisor for civilians)
FOR (Check writer)
SUBJECT: Notification of Dishonored Check
1. Reference AR 210-60, Personal Check-cashing Control and Abuse
Prevention, dated (date of regulation).
2. Your check(s) in the amount of ($), dated (date), was/were
returned to (name of check-cashing facility) as dishonored.
3. You have 10 calendar days from the date of this letter to make
redemption and pay any administrative/service fee. Failure to make full
restitution will result in a suspension of your check-cashing
privileges. Restitution for the above check(s) must be made by cash,
certified check, or money order to (where redemption should be made).
4. If you can furnish proof of bank or other excusable error to the
installation check control officer at (installation), your installation
check-cashing privileges will be restored immediately. If proof is
furnished, this would not be considered an offense, and no record of
this transaction will be kept.
Note. --MEMORANDUM THRU of address applies when two or more offenses
occurred.
Figure 3-1. Sample of Notification of Dishonored Check
(Office Symbol) (Date)
MEMORANDUM FOR (Check writer)
SUBJECT: Counseling Statement for Dishonored Check(s)
1. A Notification of Dishonored Check, dated (date), has been
received and is given to you in conjunction with this counseling
statement. The Notification requires you to perform one of the
following:
a. Make restitution.
b. Furnish proof of bank error or other extenuating circumstances.
2. I have discussed the reason for the dishonored check with you,
which is as follows:
3. Several offices are available to provide budgeting or financial
assistance. I am/am not scheduling you for this training.
4. Consequences for abusing check-cashing privileges include the
following:
a. Suspension of check-cashing privileges.
b. Letter of reprimand.
c. Appropriate comments in evaluation reports.
d. Administrative separation.
e. Bar to enlistment.
f. Denial of promotion.
g. Reduction in grade for inefficiency.
5. These consequences may be avoided by performing the requirements
in paragraph 1 above. Subsequent offenses may be dealt with more
severely.
(Signature of commander)
Soldier's Comments:
(Signature of check writer)
[[Page 227]]
Figure 3-2. Sample Counseling Statement for Dishonored Check
(Office Symbol) (Date)
MEMORANDUM THRU (Unit commander of active duty check writer/sponsor,
State adjutant general for members of the Army National Guard,
or supervisor for civilians)
FOR (Check writer)
SUBJECT: Suspension of Check-Cashing Privileges--First Offense
1. Reference AR 210-60, Personal Check-cashing Control and Abuse
Prevention, (date of regulation).
2. Your dishonored check(s) in the amount of (dollar amount), dated
(date), and returned to (name of check-cashing facility) as dishonored
was/were not redeemed within the grace period. Therefore, your
installation check-cashing privileges are suspended for 6 months and you
are required to attend remedial training on checkbook maintenance. The
suspension period will end 6 months from the date of this letter,
provided the check(s) has/have been redeemed and all administrative/
service charges have been paid, you have attended remedial training, and
you have passed the installation checkbook maintenance test. Failure to
make redemption will result in collection action being taken against
your pay account. A record of this occurrence will be kept in the check
control office. Future dishonored check instances may result in more
severe restrictions and/or disciplinary action against you.
3. You may appeal the suspension of your installation check-cashing
privileges to your unit commander (if military or family member) or
first line supervisor (if civilian). Your unit commander (if military or
family member) or first line supervisor (if civilian) may approve
restoring your check-cashing privileges prior to the end of 6 months.
However, the check(s) must have been redeemed, all administrative/
service charges paid, remedial training completed, and you must have
passed the installation checkbook maintenance test.
(Installation check control officer)
Figure 3-3. Sample of Suspension Notification--first offense
(Office Symbol) (Date)
MEMORANDUM THRU (Unit commander of active duty check writer/sponsor,
State adjutant general for members of the Army National Guard,
or supervisor for civilians)
FOR (Check writer)
SUBJECT: Suspension of Check-Cashing Privileges--Second Offense
1. Reference AR 210-60, Personal Check-cashing Control and Abuse
Prevention, (date of regulation).
2. Your dishonored check(s) in the amount of (dollar amount), dated
(date), and returned to (name of check-cashing facility) as dishonored
was/were not redeemed within the grace period. Therefore, your
installation check-cashing privileges are suspended for 12 months and
you are required to attend remedial training, since this is your second
offense. The suspension period will end 12 months from the date of this
letter, provided the check(s) has/have been redeemed and all
administrative/service charges have been paid, you have attended
remedial training, and you have passed the installation checkbook
maintenance test. Failure to make redemption will result in collection
action being taken against your pay account. A record of this occurrence
will be kept in the check control office. Future dishonored check
instances may result in more severe restrictions and/or disciplinary
action.
3. You may appeal the suspension of your installation check-cashing
privileges to your unit commander (if military or family member) or
first line supervisor (if civilian). Your unit commander (if military or
family member) or first line supervisor (if civilian) may approve
restoring your check-cashing privileges prior to the end of 12 months.
However, the check(s) must have been redeemed, all administrative/
service charges paid, remedial training completed, and you must have
passed the installation checkbook maintenance test.
(Installation check control officer)
Note. --If the check writer is currently on the dishonored check
list, change paragraph 2 to indicate that current suspension is
increased by 12 months.
Figure 3-4. Sample of Suspension Notification--second offense
(Office Symbol) (Date)
MEMORANDUM THRU (Unit commander of active duty check writer/sponsor,
State adjutant general for members of the Army National Guard,
or supervisor for civilians)
FOR (Check writer)
SUBJECT: Suspension of Check-Cashing Privileges--Third Offense
1. Reference AR 210-60, Personal Check-cashing Control and Abuse
Prevention, (date of regulation).
2. Your dishonored check(s) in the amount of (dollar amount), dated
(date), and returned to (name of check-cashing facility) as dishonored
was/were not redeemed within the grace period. Therefore, your
installation check-cashing privileges are suspended for 18 months, you
must have your ID card overstamped, and you are required to attend
remedial training, since this is your third offense. The suspension
period will end 18 months from the date of this letter, provided the
check(s) has/have been redeemed and all administrative/service charges
have been
[[Page 228]]
paid, you have attended remedial training, and you have passed the
installation checkbook maintenance test. Failure to make redemption will
result in collection action being taken against your pay account. A
record of this occurrence will be kept in the check control office.
Future dishonored check instances may result in more severe restrictions
and/or disciplinary action against you.
3. You may appeal the suspension of your installation check-cashing
privileges to your unit commander (if military or family member) or
first line supervisor (if civilian). Your unit commander (if military or
family member) or first line supervisor (if civilian) may approve
restoring your check-cashing privileges prior to the end of 18 months.
However, the check(s) must have been redeemed, all administrative/
service charges paid, remedial training completed, and you must have
passed the installation checkbook maintenance test.
(Installation check control officer)
Note. --If the check writer is currently on the dishonored check
list, change paragraph 2 to indicate that current suspension is
increased by 18 months.
Figure 3-5. Sample of Suspension Notification--third offense
(Office Symbol) (Date)
MEMORANDUM THRU (Unit commander of active duty check writer/sponsor,
State adjutant general for members of the Army National Guard,
or supervisor for civilians)
FOR (Check writer)
SUBJECT: Suspension of Check-Cashing Privileges--Fourth Offense
1. Reference AR 210-60, Personal Check-cashing Control and Abuse
Prevention, (date of regulation).
2. Your dishonored check(s) in the amount of (dollar amount), dated
(date), and returned to (name of check-cashing facility) as dishonored
was/were not redeemed within the grace period. Therefore, your
installation check-cashing privileges are suspended indefinitely, and
you are required to attend remedial training, and you must have your ID
card overstamped since this is your fourth offense. You must report to
the ID card issuing facility to receive an overstamped ID card. The
suspension period will end only at the approval of the installation
commander, provided the check(s) has/have been redeemed and all
administrative/service charges have been paid, you have attended
remedial training, and you have passed the installation checkbook
maintenance test. Failure to make redemption will result in collection
action being taken against your pay account. A record of this occurrence
will be kept in the check control office. Future dishonored check
instances may result in more severe restrictions and/or disciplinary
action against you.
3. You may appeal the suspension of your installation check-cashing
privileges to your unit commander (if military or family member) or
first line supervisor (if civilian). The installation commander may
approve restoring your check-cashing privileges. However, the check(s)
must have been redeemed, all administrative/service charges paid,
remedial training completed, and you must have passed the installation
checkbook maintenance test.
(Installation check control officer)
Figure 3-6. Sample of Suspension Notification--fourth offense
(Office Symbol) (Date)
MEMORANDUM FOR (Check writer)
SUBJECT: Intent to Debar from United States Military Installation
1. You are hereby notified of intent to bar you from entering or
reentering the limits of (name of installation), except to enter and
exit the installation by the most direct route for needed medical
treatment at (name of hospital of clinic). This bar to the installation
is because (reason for debarment). This bar to the installation will be
removed (date or when certain actions are completed).
2. Section 1382, title 18, United States Code, states: ``Whoever
within the jurisdiction of the United States, goes upon any military,
Naval, or Coast Guard Reservation, Post, Fort, Arsenal, Yard, Station or
Installation, after having been removed therefrom or ordered not to
reenter by any officer or person in command or charge thereof shall be
fined not more than $500 or imprisoned not more than 6 months, or
both.''
3. After debarment, if you are found within the limits of (name of
installation) without having received prior approval to enter the
installation, except for the purpose of obtaining needed medical care,
you will be detained by military authorities and turned over to Federal
authorities for prosecution under the above law.
4. Prior to final action barring you from entering or reentering the
limits of (name of installation), you are hereby given an opportunity to
present evidence on your behalf and to comply with the requirements set
forth in paragraph 1 above. This information may be presented to (ICCO).
If a reply is not received within (number of) days of the date you
receive this letter, a letter of debarment will automatically be sent to
you.
(Installation commander)
Figure 3-7. Sample Notice of Intent to Debar From Installation
(Office Symbol) (Date)
MEMORANDUM FOR (Check writer)
SUBJECT: Debarment from United States Military Installation
[[Page 229]]
1. You are hereby prohibited as of this date from entering or
reentering the limits of (name of installation), except to enter and
exist the installation by the most direct route for needed medical
treatment at (name of hospital of clinic). This bar to the installation
is because (reason for debarment). This bar to the installation will be
removed (date or when certain actions are completed).
2. Section 1382, title 18, United States Code, states: ``Whoever
within the jurisdiction of the United States, goes upon any Military,
Naval, or Coast Guard Reservation, Post, Fort, Arsenal, Yard, Station or
Installation, after having been removed therefrom or ordered not to
reenter by any officer or person in command or charge thereof shall be
fined not more than $500 or imprisoned not more than 6 months, or
both.''
3. If you are hereafter found within the limits of (name of
installation) without having received prior approval to enter the
installation, except for the purpose of obtaining needed medical care,
you will be detained by military authorities and turned over to Federal
authorities for prosecution under the above law.
4. If you wish to appeal this debarment, a written request for a
hearing on the matter should be sent to (ICCO) within (number of) days
of the date of this letter. You will be informed by letter of the date,
time, and place of the hearing for your appeal.
(Installation commander)
CF:
PM
SJA
Figure 3-8. Sample Notice of Debarment From Installation
Monthly Dishonored Check Report
----------------------------------------------------------------------------------------------------------------
AAFES Commissary FAO NAF Other Total
----------------------------------------------------------------------------------------------------------------
1. E1-E4...................... A
B
C
2. E5-E6...................... A
B
C
3. E7-E9...................... A
B
C
4. W01/05..................... A
B
C
5. 06/Above................... A
B
C
6. Total (Line 1-5)........... A
B
C
7. Other Services............. A
B
C
8. Retired Military........... A
B
C
9. NG/Res..................... A
B
C
10. Family Member.............. A
B
C
11. All Other (DOD Civ)........ A
B
C
12. Total (Line 7-11).......... A
B
C
13. Grand Total (Line 6+12).... A
B
C
----------------------------------------------------------------------------------------------------------------
Row A=Number of dishonored checks by category for the month.
Row B=Total dollar value of dishonored checks by category for the month. (Dollar values will be rounded to the
nearest dollar.)
Row C=Number of dishonored check writers by category for the month.
Figure 4-1. Sample format of Monthly Dishonored Check Report, RCS: CSCOA-105.
[[Page 230]]
Appendix A to Part 527--References
*Army publications referenced in this document are available from
the National Technical Information Service, U.S. Department of Commerce,
5285 Port Royal Road, Springfield, VA 22161, Telephone: (703) 487-4684.
Section I
Required Publications
AR 30-19
Army Commissary Store Operating Policies. (Cited in Sec. 527.1(b))
AR 37-103
Finance and Accounting for Installations: Disbursing Operations.
(Cited in Sec. 527.1(b))
AR 37-104-3
Military Pay and Allowances Procedures: Joint Uniform Military Pay
System (JUMPS-Army). (Cited in Sec. 527.29(c))
AR 37-104-10
Military Pay and Allowances Procedures for Inactive Duty Training:
Joint Uniform Military Pay System--Reserve Components (JUMPS-(RC)-Army).
(Cited in Sec. 527.29(c))
AR 37-109
General Accounting and Reporting for Finance and Accounting Offices.
(Cited in Sec. 527.29(C))
AR 60-20/AFAR 147-14
Army and Air Force Exchange Service (AAFES) Operating Policies.
(Cited in Sec. 527.1(b))
AR 190-29
Minor Offenses and Uniform Violation Notices Referred to U.S.
District Courts. (Cited in Sec. 527.19(h))
AR 215-1
Administration of Morale, Welfare, and Recreation Activities and
Nonappropriated Fund Instrumentalities. (Cited in Sec. 527.1(b))
AR 215-2
The Management and Operation of Morale, Welfare, and Recreation
Activities and Nonappropriated Fund Instrumentalities. (Cited in
Sec. 527.1(b)) Preparation, Coordination, and Approval of Department of
the Army Publications. (Cited in Sec. 527.7(b))
AR 600-20
Army Command Policy and Procedures. (Cited in Sec. 527.11(c))
AR 600-31
Suspension of Favorable Personnel Actions for Military Personnel in
National Security Cases and Other Investigations or Proceedings. (Cited
in Sec. 527.30(i))
AR 600-37
Unfavorable Information. (Cited in Sec. 527.30(i)) Identification
Cards, Tags, and Badges. (Cited in Sec. 527.33(a))
Section II
Related Publications
A related publication is merely a source of additional information.
The user does not have to read it to understand this regulation.
Department of Defense Military Pay and Allowances Entitlements
Manual (DODPM). Exchange Service Manual 55-21.
Section III
Referenced Forms
DA Form 3686
JUMPS-Army Leave and Earnings Statement
DD Form 2A (Act)
Active Duty Military ID Card
DD Form 2A (Res)
Armed Forces of the United States ID Card (Reserve).
DD Form 2A (Ret)
United States Uniformed Services ID Card (Retired)
DD Form 139
Pay Adjustment Authorization
Glossary
Section I
Abbreviations
AAFES--Army and Air Force Exchange Service
ACS--Army Community Service
AF--appropriated fund
ASA(FM)--Assistant Secretary of the Army (Financial Management)
CG--commanding general
DA--Department of the Army
DCSPER--Deputy Chief of Staff, Personnel
DOD--Department of Defense
DODPM--Department of Defense Military Pay and Allowances Manual
DODRPM--Department of Defense Retired Pay Manual
DPCA--Deputy for Personnel and Community Activities
HQDA--Headquarters, Department of the Army
ICCO--installation check control office(r)
ID--identification
MACOM--major Army command
NAF--nonappropriated fund
OASA(FM)--Office of the Assistant Secretary of the Army (Financial
Management)
PAC--Personnel Administration Center
PFR/SMM--personal financial readiness/soldier money management
POI--program of instruction
RCS--requirement control symbol
SSN--social security number
TDY--temporary duty
TRADOC--U.S. Army Training and Doctrine Command
[[Page 231]]
UCMJ--Uniform Code of Military Justice
USACFSC--U.S. Army Community and Family Support Center
Section II
Terms
Agency relationship. Relationship that exists when an individual
authorizes a person (or persons) to act on the individual's
behalf
Check-cashing facility. Appropriated fund or non appropriated fund
activity that accepts or cashes checks for merchandise,
services, cash, or payment of debts to the Government
Dishonored check. Check returned unpaid by the financial institution on
which it was drawn due to insufficient funds, closed account,
no account, or other like cause
Central file of offenders. A file maintained by the installation check
control officer listing all persons that have written a
dishonored check. This file is not published for use by any of
the check-cashing facilities
Dishonored check list. Manual list or listing stored in an electronic
check verification system of persons whose check-cashing
privileges are suspended
Electronic check verification system. Automated system that identifies
persons whose check-cashing privileges have been denied; for
example, the AAFES' TRW system, or the commissary's National
Cash Register electronic point of sales system
Grace period. Time allowed (10 calendar days from date of notification
letter) in which redemption of a dishonored check must be made
Offense. An offense occurs when a check writer does not redeem a
dishonored check within the grace period. The dishonored check
was not the result of a bank or other excusable error
Habitual dishonored check writer. A soldier who writes dishonored checks
on a regular basis but redeems the check within the grace
period, thus never being placed on the dishonored check list
Overstamped ID card. DD Form 2A (Act) (Active Duty Military ID Card), DD
Form 2A (Res) (Armed Forces of the United States ID Card
(Reserve)), DD Form 2A (Ret) (United States Uniformed Services
ID Card (Retired)), or other form of identification for
Active, Reserve Components, retired or civilian personnel
stamped on the face to show check-cashing privileges are
revoked
Proof of bank or other excusable error. Written admission of error by a
financial institution or other responsible party clearing
check writer of fault
Related offense. Any group of dishonored checks which resulted from a
common error (for example, a subtraction error in the
checkbook). The check writer must prove to the ICCO that these
dishonored checks are related. If none of the checks are
redeemed, they will be called one offense
Two-party check. A written order dated and signed by the maker directing
the bank to pay a certain sum of money to the order of a
second party.