Section 89D(3) of the Bills of Exchange Act 1882 makes provision about the meaning of “creator of the instrument”.

http://www.legislation.gov.uk/uksi/2018/832/part/2/madeThe Electronic Presentment of Instruments (Evidence of Payment and Compensation for Loss) Regulations 2018enKing's Printer of Acts of Parliament2018-07-11BANKS AND BANKINGThese Regulations support the presentment for payment of instruments by electronic image under section 89A of the Bills of Exchange Act 1882 (c. 61) (“the 1882 Act”). Part 2 provides for banks to provide copies of paid instruments as evidence of payment. Part 3 provides for banks to provide compensation for loss arising out of presentment by electronic image.PART 2Copies of instruments and evidence of payment3Provision of copy of a paid instrument1

A banker who has paid an instrument as a result of presentment under section 89A of the Bills of Exchange Act 1882 must, if requested to do so by the creator of the instrument, provide a copy of the instrument to the creator before the end of the period of 10 working days beginning with the first working day after the banker received the request.

2

The copy of the instrument must be a complete and accurate reproduction of both faces of the instrument.

3

The copy of the instrument must be accompanied by the following information—

a

confirmation of—

i

the decision of the banker, or a person authorised to pay or refuse payment on the banker’s behalf, that the payment should be made and the date upon which that decision was made, or

ii

the automated instruction for payment of the instrument, and the date of that automated instruction;

b

the value of the payment made to the banker authorised to collect payment of the instrument;

c

the sort code and account number of the account of the creator of the instrument;

d

any reference number allocated by the banker authorised to collect payment of the instrument, used to identify the payment instrument.

4

The copy and accompanying information must be provided—

a

on paper, or

b

in a format which—

i

enables the creator of the instrument to store the copy and information in a way which is accessible for future reference for a period of time adequate for the purposes for which the copy and information is provided to the creator; and

ii

allows the unchanged reproduction of the copy and information.

5

If the copy and accompanying information is provided in accordance with paragraph (4)(b) and the creator of the instrument requests that the copy and accompanying information be provided on paper, they must be provided on paper.

6

The first copy of an instrument provided under paragraph (1) must be provided free of charge.

7

If the creator of an instrument requests more than one copy of the instrument, or makes more than one request for a copy of the same instrument—

a

the banker who paid the instrument may request that the creator pay a fee for the provision of the copies of the instrument other than the first copy, and

b

if the banker makes such a request, until the creator has paid such fee the banker need not comply with the requirement in paragraph (1) in relation to copies other than the first copy.

8

In paragraph (7), the references to a fee are to a fee which reasonably corresponds to the banker’s costs of providing the copies of the instrument and accompanying information other than the first copy.

4Copy of instrument as evidence of payment

A copy of an instrument and the accompanying information provided in accordance with regulation 3 is evidence of receipt by the payee named in the instrument of the sum payable by the instrument.

This XML file does not appear to have any style information associated with it. The document tree is shown below.
<akomaNtoso xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://docs.oasis-open.org/legaldocml/ns/akn/3.0" xsi:schemaLocation="http://docs.oasis-open.org/legaldocml/ns/akn/3.0 http://docs.oasis-open.org/legaldocml/akn-core/v1.0/cos01/part2-specs/schemas/akomantoso30.xsd">
<portion includedIn="http://www.legislation.gov.uk/id/uksi/2018/832">
<meta>
<identification source="#source">
<FRBRWork>
<FRBRthis value="http://www.legislation.gov.uk/id/uksi/2018/832"/>
<FRBRuri value="http://www.legislation.gov.uk/id/uksi/2018/832"/>
<FRBRdate date="2018-07-10" name="made"/>
<FRBRauthor href="http://www.legislation.gov.uk/id/government/uk"/>
<FRBRcountry value="GB-UKM"/>
<FRBRsubtype value="regulation"/>
<FRBRnumber value="832"/>
<FRBRname value="S.I. 2018/832"/>
<FRBRprescriptive value="true"/>
</FRBRWork>
<FRBRExpression>
<FRBRthis value="http://www.legislation.gov.uk/uksi/2018/832/part/2/made"/>
<FRBRuri value="http://www.legislation.gov.uk/uksi/2018/832/made"/>
<FRBRdate date="2018-07-10" name="made"/>
<FRBRauthor href="#source"/>
<FRBRlanguage language="eng"/>
</FRBRExpression>
<FRBRManifestation>
<FRBRthis value="http://www.legislation.gov.uk/uksi/2018/832/part/2/made/data.akn"/>
<FRBRuri value="http://www.legislation.gov.uk/uksi/2018/832/made/data.akn"/>
<FRBRdate date="2024-11-11Z" name="transform"/>
<FRBRauthor href="http://www.legislation.gov.uk"/>
<FRBRformat value="application/akn+xml"/>
</FRBRManifestation>
</identification>
<classification source="#source">
<keyword value="banks and banking" showAs="BANKS AND BANKING" dictionary="http://www.legislation.gov.uk"/>
</classification>
<lifecycle source="#source">
<eventRef date="2018-07-10" type="generation" eId="made-date" source="#source"/>
</lifecycle>
<references source="#source">
<TLCOrganization eId="source" href="http://www.legislation.gov.uk/id/publisher/KingsOrQueensPrinterOfActsOfParliament" showAs="King's Printer of Acts of Parliament"/>
</references>
<notes source="#source">
<note class="footnote" eId="f00003">
<p>Section 89D(3) of the Bills of Exchange Act 1882 makes provision about the meaning of “creator of the instrument”.</p>
</note>
</notes>
<proprietary xmlns:ukl="http://www.legislation.gov.uk/namespaces/legislation" xmlns:ukm="http://www.legislation.gov.uk/namespaces/metadata" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:dct="http://purl.org/dc/terms/" xmlns:atom="http://www.w3.org/2005/Atom" source="#source">
<dc:identifier>http://www.legislation.gov.uk/uksi/2018/832/part/2/made</dc:identifier>
<dc:title>The Electronic Presentment of Instruments (Evidence of Payment and Compensation for Loss) Regulations 2018</dc:title>
<dc:language>en</dc:language>
<dc:publisher>King's Printer of Acts of Parliament</dc:publisher>
<dc:modified>2018-07-11</dc:modified>
<dc:subject scheme="SIheading">BANKS AND BANKING</dc:subject>
<dc:description>These Regulations support the presentment for payment of instruments by electronic image under section 89A of the Bills of Exchange Act 1882 (c. 61) (“the 1882 Act”). Part 2 provides for banks to provide copies of paid instruments as evidence of payment. Part 3 provides for banks to provide compensation for loss arising out of presentment by electronic image.</dc:description>
<atom:link rel="self" href="http://www.legislation.gov.uk/uksi/2018/832/part/2/made/data.xml" type="application/xml"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/resources" href="http://www.legislation.gov.uk/uksi/2018/832/resources" title="More Resources"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/memorandum" href="http://www.legislation.gov.uk/uksi/2018/832/memorandum" title="Explanatory Memorandum"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/memorandum/toc" href="http://www.legislation.gov.uk/uksi/2018/832/memorandum/contents" title="Explanatory Memorandum Table of Contents"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/act" href="http://www.legislation.gov.uk/uksi/2018/832/made" title="whole act"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/introduction" href="http://www.legislation.gov.uk/uksi/2018/832/introduction/made" title="introduction"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/signature" href="http://www.legislation.gov.uk/uksi/2018/832/signature/made" title="signature"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/note" href="http://www.legislation.gov.uk/uksi/2018/832/note/made" title="note"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/body" href="http://www.legislation.gov.uk/uksi/2018/832/body/made" title="body"/>
<atom:link rel="alternate" type="application/rdf+xml" href="http://www.legislation.gov.uk/uksi/2018/832/part/2/made/data.rdf" title="RDF/XML"/>
<atom:link rel="alternate" type="application/akn+xml" href="http://www.legislation.gov.uk/uksi/2018/832/part/2/made/data.akn" title="AKN"/>
<atom:link rel="alternate" type="application/xhtml+xml" href="http://www.legislation.gov.uk/uksi/2018/832/part/2/made/data.xht" title="HTML snippet"/>
<atom:link rel="alternate" type="text/html" href="http://www.legislation.gov.uk/uksi/2018/832/part/2/made/data.htm" title="Website (XHTML) Default View"/>
<atom:link rel="alternate" type="text/csv" href="http://www.legislation.gov.uk/uksi/2018/832/part/2/made/data.csv" title="CSV"/>
<atom:link rel="alternate" type="application/pdf" href="http://www.legislation.gov.uk/uksi/2018/832/part/2/made/data.pdf" title="PDF"/>
<atom:link rel="alternate" type="application/akn+xhtml" href="http://www.legislation.gov.uk/uksi/2018/832/part/2/made/data.html" title="HTML5 snippet"/>
<atom:link rel="http://purl.org/dc/terms/tableOfContents" hreflang="en" href="http://www.legislation.gov.uk/uksi/2018/832/contents/made" title="Table of Contents"/>
<atom:link rel="http://www.legislation.gov.uk/def/navigation/supersedes" href="http://www.legislation.gov.uk/id/ukdsi/2018/9780111169063" title="The Electronic Presentment of Instruments (Evidence of Payment and Compensation for Loss) Regulations 2018"/>
<atom:link rel="up" href="http://www.legislation.gov.uk/uksi/2018/832/made" title="Entire legislation"/>
<atom:link rel="prev" href="http://www.legislation.gov.uk/uksi/2018/832/part/1/made" title="Part; Part 1"/>
<atom:link rel="prevInForce" href="http://www.legislation.gov.uk/uksi/2018/832/part/1/made" title="Part; Part 1"/>
<atom:link rel="next" href="http://www.legislation.gov.uk/uksi/2018/832/part/3/made" title="Part; Part 3"/>
<atom:link rel="nextInForce" href="http://www.legislation.gov.uk/uksi/2018/832/part/3/made" title="Part; Part 3"/>
<ukm:SecondaryMetadata>
<ukm:DocumentClassification>
<ukm:DocumentCategory Value="secondary"/>
<ukm:DocumentMainType Value="UnitedKingdomStatutoryInstrument"/>
<ukm:DocumentStatus Value="final"/>
<ukm:DocumentMinorType Value="regulation"/>
</ukm:DocumentClassification>
<ukm:Year Value="2018"/>
<ukm:Number Value="832"/>
<ukm:Made Date="2018-07-10"/>
<ukm:ISBN Value="9780111171233"/>
</ukm:SecondaryMetadata>
<ukm:Supersedes URI="http://www.legislation.gov.uk/id/ukdsi/2018/9780111169063">
<dc:title>The Electronic Presentment of Instruments (Evidence of Payment and Compensation for Loss) Regulations 2018</dc:title>
<ukm:DocumentMainType Value="UnitedKingdomDraftStatutoryInstrument"/>
<ukm:Year Value="2018"/>
<ukm:ISBN Value="9780111169063"/>
</ukm:Supersedes>
<ukm:Notes>
<ukm:Note IdURI="http://www.legislation.gov.uk/id/uksi/2018/832/notes"/>
<ukm:Alternatives>
<ukm:Alternative URI="http://www.legislation.gov.uk/uksi/2018/832/pdfs/uksiem_20180832_en.pdf" Date="2018-07-11" Title="UK Explanatory Memorandum" Size="43694"/>
</ukm:Alternatives>
</ukm:Notes>
<ukm:Alternatives>
<ukm:Alternative URI="http://www.legislation.gov.uk/uksi/2018/832/pdfs/uksi_20180832_en.pdf" Date="2018-07-11" Size="57200"/>
</ukm:Alternatives>
<ukm:Statistics>
<ukm:TotalParagraphs Value="10"/>
<ukm:BodyParagraphs Value="10"/>
<ukm:ScheduleParagraphs Value="0"/>
<ukm:AttachmentParagraphs Value="0"/>
<ukm:TotalImages Value="0"/>
</ukm:Statistics>
</proprietary>
</meta>
<portionBody>
<part eId="part-2">
<num>PART 2</num>
<heading>Copies of instruments and evidence of payment</heading>
<hcontainer name="regulation" eId="regulation-3">
<num>3</num>
<heading>Provision of copy of a paid instrument</heading>
<paragraph eId="regulation-3-1">
<num>1</num>
<content>
<p>
A banker who has paid an instrument as a result of presentment under section 89A of the Bills of Exchange Act 1882 must, if requested to do so by the creator of the instrument
<noteRef href="#f00003" class="footnote" marker="3"/>
, provide a copy of the instrument to the creator before the end of the period of 10 working days beginning with the first working day after the banker received the request.
</p>
</content>
</paragraph>
<paragraph eId="regulation-3-2">
<num>2</num>
<content>
<p>The copy of the instrument must be a complete and accurate reproduction of both faces of the instrument.</p>
</content>
</paragraph>
<paragraph eId="regulation-3-3">
<num>3</num>
<intro>
<p>The copy of the instrument must be accompanied by the following information—</p>
</intro>
<subparagraph eId="regulation-3-3-a">
<num>a</num>
<intro>
<p>confirmation of—</p>
</intro>
<clause eId="regulation-3-3-a-i">
<num>i</num>
<content>
<p>the decision of the banker, or a person authorised to pay or refuse payment on the banker’s behalf, that the payment should be made and the date upon which that decision was made, or</p>
</content>
</clause>
<clause eId="regulation-3-3-a-ii">
<num>ii</num>
<content>
<p>the automated instruction for payment of the instrument, and the date of that automated instruction;</p>
</content>
</clause>
</subparagraph>
<subparagraph eId="regulation-3-3-b">
<num>b</num>
<content>
<p>the value of the payment made to the banker authorised to collect payment of the instrument;</p>
</content>
</subparagraph>
<subparagraph eId="regulation-3-3-c">
<num>c</num>
<content>
<p>the sort code and account number of the account of the creator of the instrument;</p>
</content>
</subparagraph>
<subparagraph eId="regulation-3-3-d">
<num>d</num>
<content>
<p>any reference number allocated by the banker authorised to collect payment of the instrument, used to identify the payment instrument.</p>
</content>
</subparagraph>
</paragraph>
<paragraph eId="regulation-3-4">
<num>4</num>
<intro>
<p>The copy and accompanying information must be provided—</p>
</intro>
<subparagraph eId="regulation-3-4-a">
<num>a</num>
<content>
<p>on paper, or</p>
</content>
</subparagraph>
<subparagraph eId="regulation-3-4-b">
<num>b</num>
<intro>
<p>in a format which—</p>
</intro>
<clause eId="regulation-3-4-b-i">
<num>i</num>
<content>
<p>enables the creator of the instrument to store the copy and information in a way which is accessible for future reference for a period of time adequate for the purposes for which the copy and information is provided to the creator; and</p>
</content>
</clause>
<clause eId="regulation-3-4-b-ii">
<num>ii</num>
<content>
<p>allows the unchanged reproduction of the copy and information.</p>
</content>
</clause>
</subparagraph>
</paragraph>
<paragraph eId="regulation-3-5">
<num>5</num>
<content>
<p>If the copy and accompanying information is provided in accordance with paragraph (4)(b) and the creator of the instrument requests that the copy and accompanying information be provided on paper, they must be provided on paper.</p>
</content>
</paragraph>
<paragraph eId="regulation-3-6">
<num>6</num>
<content>
<p>The first copy of an instrument provided under paragraph (1) must be provided free of charge.</p>
</content>
</paragraph>
<paragraph eId="regulation-3-7">
<num>7</num>
<intro>
<p>If the creator of an instrument requests more than one copy of the instrument, or makes more than one request for a copy of the same instrument—</p>
</intro>
<subparagraph eId="regulation-3-7-a">
<num>a</num>
<content>
<p>the banker who paid the instrument may request that the creator pay a fee for the provision of the copies of the instrument other than the first copy, and</p>
</content>
</subparagraph>
<subparagraph eId="regulation-3-7-b">
<num>b</num>
<content>
<p>if the banker makes such a request, until the creator has paid such fee the banker need not comply with the requirement in paragraph (1) in relation to copies other than the first copy.</p>
</content>
</subparagraph>
</paragraph>
<paragraph eId="regulation-3-8">
<num>8</num>
<content>
<p>In paragraph (7), the references to a fee are to a fee which reasonably corresponds to the banker’s costs of providing the copies of the instrument and accompanying information other than the first copy.</p>
</content>
</paragraph>
</hcontainer>
<hcontainer name="regulation" eId="regulation-4">
<num>4</num>
<heading>Copy of instrument as evidence of payment</heading>
<content>
<p>A copy of an instrument and the accompanying information provided in accordance with regulation 3 is evidence of receipt by the payee named in the instrument of the sum payable by the instrument.</p>
</content>
</hcontainer>
</part>
</portionBody>
</portion>
</akomaNtoso>