Section 229.57 - Consumer awareness(a)General disclosure requirement and content. Each bank shall provide, in accordance with paragraph (b) of this section, a brief disclosure to each of its consumer customers that describes- (1) That a substitute check is the legal equivalent of an original check; and(2) The consumer recredit rights that apply when a consumer in good faith believes that a substitute check was not properly charged to his or her account.(b)Distribution - (1)Disclosure to consumers who receive paid checks with periodic account statements. A bank shall provide the disclosure described in paragraph (a) of this section to a consumer customer who receives paid original checks or paid substitute checks with his or her periodic account statement-(i) No later than the first regularly scheduled communication with the consumer after October 28, 2004, for each consumer who is a customer of the bank on that date; and(ii) At the time the customer relationship is initiated, for each customer relationship established after October 28, 2004.(2)Disclosure to consumers who receive substitute checks on an occasional basis -(i) The bank shall provide the disclosure described in paragraph (a) of this section to a consumer customer of the bank who requests an original check or a copy of a check and receives a substitute check. If feasible, the bank shall provide this disclosure at the time of the consumer's request; otherwise, the bank shall provide this disclosure no later than the time at which the bank provides a substitute check in response to the consumer's request.(ii) The bank shall provide the disclosure described in paragraph (a) of this section to a consumer customer of the bank who receives a returned substitute check, at the time the bank provides such substitute check.(3)Multiple account holders. A bank need not give separate disclosures to each customer on a jointly held account.