Check Clearing for the 21st Century Act (Check 21) has created new opportunities for financial institutions and customers. Remote deposit capture carries with it operational risks that left unmitigated could expose a financial institution to fraud losses. Information security risks include unauthorized access to and/or use of the imaged information, submission of edited or unauthorized files for clearing, and loss of data. The potential for fraud loss may also be increased because of counterfeit items, says Paul Carruba, an attorney with the law firm Adams and Reese LLP.”]