The bank's commercial customer reported counterfeit checks drawn on their checking account. The checks appear to have the actual signatures of the authorized signers, which I assumed were scanned and affixed to the counterfeit checks. The checks themselves do not match the style of check used by the commercial customer. Is there a question of liability for the loss based on the fact that the signatures match the authorized signers? Is there any recent legislation on this issue, given the ease of scanning and affixing signatures to counterfeit documents? (The counterfeit checks were reported in a timely manner but too late for them to be returned within the 24 hour timeframe. The counterfeit items were mobile deposited into two large banks.)

A forgery is still a forgery no matter how good it is.

nothing has been updated to ease the burden on the bank for paying a forged item. i'd strongly suggest requiring commercial clients to use a positive pay service to send some of that liability their way