Skip to main content
HR 2643 109th Congress House

Innocent Check Depositor Protection Act

Official title: To protect innocent parties from certain fees imposed by depository institutions for dishonored checks, and for other purposes.

Introduced: May 25, 2005 See on congress.gov
Finance and Financial Sector Bank accountsBank depositsChecksFees
Sign in to write a letter Sign in to watch
This bill died when the 109th Congress ended
It never became law before the 109th Congress (2005–2006) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jun 3, 2005
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
May 25, 2005
Introduced in House
May 25, 2005
Referred to the House Committee on Financial Services.
 Ask about this bill AI · grounded in the bill text

Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.

AI answers can be imperfect; always confirm against the full bill text.

 Latest action June 3, 2005

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Plain-English summary Congressional Research Service

Innocent Check Depositor Protection Act - Amends the Expedited Funds Availability Act to provide that, in the case of a check drawn on an account at an originating institution which is dishonored by that institution due to lack of sufficient funds, a receiving depository institution may not impose any fee on the depositor, in connection with such check, due to such dishonorment.

States that this Act shall not be construed as affecting any intervening depository institution or the costs of services it provides.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 7
All 7 Democratic 4 Independent 1
D
DeLauro, Rosa L.
Connecticut · May 25, 2005
KILPATRICK, CAROLYN
· May 25, 2005
 D
Neal, Richard E.
Massachusetts · May 25, 2005
 I
Sanders, Bernard
Vermont · May 25, 2005
 D
Schakowsky, Janice D.
Illinois · May 25, 2005
 D
Wasserman Schultz, Debbie
Florida · May 25, 2005
Watson, Diane
· May 25, 2005
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 2643: Innocent Check Depositor Protection Act. 109th Congress. Open America. https://openamerica.io/bill/109-HR-2643/
MLA
"H.R. 2643: Innocent Check Depositor Protection Act." 109th Congress, 2026, Open America, https://openamerica.io/bill/109-HR-2643/.
Bluebook (legal)
H.R. 2643, 109th Cong. (2026), https://openamerica.io/bill/109-HR-2643/.
Markdown link
[H.R. 2643: Innocent Check Depositor Protection Act](https://openamerica.io/bill/109-HR-2643/)
Report a problem