National Check Professional (NCP) Certification Practice Test

Which of the following does X9.100-188 NOT cover?

1. Return reasons for check image exchange

2. Standards for secure document storage

3. Regulations for image replacement documents

4. Guidelines for IRDs

The correct answer is: Standards for secure document storage

The reason the answer centers on standards for secure document storage is that X9.100-188 specifically focuses on the exchange of check images and the related processes. It outlines various aspects such as the return reasons for check image exchange, which means it addresses the factors that could lead to the return of an image for certain issues. Additionally, it provides guidance regarding image replacement documents (IRDs), detailing the necessary regulations and guidelines for their creation and processing. While secure document storage is vital in the lifecycle of financial documents, it falls outside the scope of what X9.100-188 is intended to cover. The standard primarily pertains to aspects directly relevant to the handling and exchange of check images and IRDs rather than the overarching security protocols for storing these documents. Thus, recognizing this distinction clarifies why the standards for secure document storage are not included in X9.100-188.