I would suggest that you re-read the guidance document. While it presents different risks, a risk assessment would still be required. From the first sentence of the guidelines:
Background and Purpose
Remote Deposit Capture (RDC), a deposit transaction delivery system, allows a financial institution to receive digital information from deposit documents captured at remote locations. These locations may be the financial institution’s branches, ATMs, domestic and foreign correspondents, or locations owned or controlled by commercial or retail customers of the financial institution.
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