ASC X9 TR 47-2016 develops American National Standards that support technological solutions, industry practices, and processes to provide the financial industry with a format necessary to perform electronic check exchange. ASC X9 Inc. voted to approve the inclusion of the Universal Companion Document (UCD) - Industry Adoption of X9.100-187 as an X9 Technical Report. This Technical Report is not intended to replace the ANSI X9.100-187 standard, but rather to clarify how financial institutions use the standard to ensure all necessary and appropriate payment data is exchanged between collecting and paying institutions. The UCD was written to identify and share information on Check Image clearing that will help financial institutions understand, and successfully implement, image exchange. It was prepared by the CheckImage Collaborative in 2008, which was initiated by the Electronic Check Clearing House Organization (ECCHO) and the Retail Payments Office (RPO) of the Federal Reserve Bank of Atlanta. It was developed with representation from financial institutions, processors, networks and trade associations.