ANSI X9.100-188-2018 lists the Return Reason codes for both Customer and Administrative Returns for image exchange and IRD creation within the U.S. Payments System. It includes the Short Name and Overlay Abbreviation required for an IRD creation. The standard establishes the process to add, change or delete a Return Reason code. It is up to each individual financial institution to determine what Return Reason code they will use when returning a check. The standard also includes guidance for the proper use of Return Reason codes.

This standard does not address operational, implementation or settlement needs. The informative annexes included in this standard provides information that may prove useful to those planning to use the standard.