The 2025 version of the ECCHO Rules are now available online. The following ECCHO Rule changes were implemented on March 1, 2025.

• Section XV, which related to Imperfect Image Items, was deleted. 
  • This meant the definition of Imperfect Image Item could be deleted from section I.
  • References to section XV were deleted from sections XVII(C) and XVIII(G)(4).
  • Associated commentary relating to Imperfect Image Items or to section XV was also deleted.
• A new defined term, Sufficient Copy, replaced the definition of Photocopy in section I.
  • The new term replaced other language in the following sections:  XII(C)(2), XIX(K)(5)–(8), XIX(N)(2)(b), and XIX(O)(3)(b).
  • Associated commentary referring to the former term Photocopy was deleted, and commentary was otherwise revised to refer, where appropriate, to the new term Sufficient Copy. 
• Section XII(C)(2)(a) was revised to use the defined term Electronic Returned Check. 
  • Certain cross-references in sections XIX(O)(3)(b)–(c) and XIX(O)(11)(b) were corrected, and a reference to Sending Bank in section XIX(O)(1)(c) was changed to refer to Depositary Bank.
• Commentary to section XX(F) was revised to correctly describe commentary to section XIX(G)(4) as referring to a request for a second transmission, provision, or making available of Electronic Checks rather than simply copies of items.
• Exhibit I:  Adjustment Matrix
  • The new defined term Sufficient Copy replaced references to “copy of item.”
• Exhibit V:  Exhibits Related to Rules in Section XIX(N) and XIX(O)
  • The instructions for the Rule 8 and Rule 9 disclaimer forms were revised to use the new defined term Sufficient Copy and to refer to the Depositary Bank rather than the Sending Bank.
  • The sample letter to make a Rule 9 claim was revised to use the new defined term Sufficient Copy.  
• Exhibit VII:  Returning Checks
  • The section on notice in lieu of return was revised to more closely track Regulation CC and its commentary.

Read more here via theclearinghouse.gov (ECCHO login required)