{"database": "openregs", "table": "legislation", "rows": [["107-hr-5414", 107, "hr", 5414, "Check Clearing for the 21st Century Act", "Finance and Financial Sector", "2002-09-19", "2002-09-25", "Subcommittee Hearings Held.", "House", "Rep. Ferguson, Mike [R-NJ-7]", "NJ", "R", "F000443", 22, "Check Clearing for the 21st Century Act - Sets forth a statutory framework under which a substitute check is the legal equivalent of an original check for all purposes, if the substitute check: (1) accurately represents all of the information on the front and back of the original check as of the time the original check was truncated; and (2) bears the legend: \"This is a legal copy of your check. You can use it the same way you would use the original check.\" Prescribes implementation guidelines, including: (1) indemnity procedures; (2) substitute check warranties; (3) expedited recredit claims for consumers and for banks; (4) procedures for claims; (5) measure of damages; (6) statute of limitations; and (7) consumer education materials.", "2025-08-19T17:31:42Z", "https://www.congress.gov/bill/107th-congress/house-bill/5414"]], "columns": ["bill_id", "congress", "bill_type", "bill_number", "title", "policy_area", "introduced_date", "latest_action_date", "latest_action_text", "origin_chamber", "sponsor_name", "sponsor_state", "sponsor_party", "sponsor_bioguide_id", "cosponsor_count", "summary_text", "update_date", "url"], "primary_keys": ["bill_id"], "primary_key_values": ["107-hr-5414"], "units": {}, "query_ms": 0.29975202050991356, "source": "Federal Register API & Regulations.gov API", "source_url": "https://www.federalregister.gov/developers/api/v1", "license": "Public Domain (U.S. Government data)", "license_url": "https://www.regulations.gov/faq"}