LexisNexis ( August 1, 2017, 1:34 PM EDT) -- Background: How RDC works. Since the introduction of mobile remote deposit capture, banks have experienced an increase in the volume of suspected duplicate checks deposited by their consumer customers using this service. Remote deposit capture (RDC) is an electronic banking service allowing a bank customer to scan the front and back of a check and transmit these images and other related information to a bank for posting or clearing as an electronic check. In the most typical scam, a consumer wrongdoer deposits a check via a mobile phone (Bank A), and then takes the original paper check to a check-cashing company. The check-casher deposits the original check, and its depositary bank (Bank B) will convert that check to an electronic check and present it to a paying bank, through an electronic forward-collection cash letter. (About 99% of checks are now collected electronically.) The paying bank's cross-channel "duplicate detection system" will likely identify the check as a suspected duplicate and return the check, provided the check is presented within the system's operating window. ...