Reasons for the Decrease in the Development of Suspects in Check Fraud Cases in Central Florida

Dena Marie Weiss
2017 Forensic Legal & Investigative Sciences  
Weiss is a criminal justice and forensics professor with over 25 years of experience in law enforcement. She began her career as a microanalyst and serologist with the Florida Department of Law Enforcement and remains active in local law enforcement as a crime scene investigator and fingerprint examiner. She has provided expert testimony for both the prosecution and defense in the state of Florida as well as the federal court system. Dr. Weiss has been teaching and developing criminal justice
more » ... criminal justice curriculum for 15 years. Abstract For hundreds of years, banking institutions have accepted original paper checks as a payment method for individuals as well as businesses. The establishment of the Check Clearing for the 21 st Century Act (Check 21) created many changes in the way banks accept payment. One significant change is to create electronic check images of paper checks and afterwards destroy the check. Without the original piece of evidence to examine for forensic purposes, fraud investigators are struggling to solve check fraud cases. The study involved a qualitative approach to investigate fraud detection problems associated with the transition from paper checks to electronic deposits by the banking industry. A qualitative inquiry included in-depth interviews to analyze the perception of fraud investigators representing four law enforcement agencies as well as MIDFLOR-IDA Credit Union regarding the effect of the digitization of checks on fraud investigations. Qualitative data supported the theory that digitization of checks has had a negative impact on the development of suspects in check fraud cases. Future research recommendations include collection of data from additional geographical regions to evaluate the impact the legislation has had on development of suspects in check fraud cases.
doi:10.24966/flis-733x/100017 fatcat:sxbn3ti67vddtau7avpbwcf6ni