ROBERT L. EHRLICH, JR., Governor

H.B. 117

May 22, 2003

The Honorable Michael E. Busch
Speaker of the House
State House
Annapolis MD 21401

Dear Mr. Speaker:

In accordance with Article II, Section 17 of the Maryland Constitution, today I have
vetoed House Bill 117 - Banking Institutions - Truncated Accounts.

This bill repeals provisions of law requiring banking institutions offering truncated
checking accounts to also offer customers a specified checking account plan and to
provide specified information to a customer opening a truncated checking account;
and requires a banking institution that returns check facsimiles instead of original
checks to a customer who has requested the return of a check for specified purposes to
return to the customer, on the customer's request, check facsimiles at no additional
cost to the customer.

Senate Bill 160, which was passed by the General Assembly and signed by me,
accomplishes the same purpose. Therefore, it is not necessary for me to sign House
Bill 117.

Sincerely,

Robert L. Ehrlich, Jr.

Governor

House Bill No. 117

AN ACT concerning

Banking Institutions - Truncated Accounts

FOR the purpose of repealing certain provisions of law requiring certain banking
institutions to offer customers a certain checking account plan and to provide
certain information to a customer opening a truncated checking account;
clarifying that a request by a customer with a truncated account for return of a
check must be in writing; requiring a banking institution that returns check
facsimiles instead of original checks to a customer who has requested the return
of a check for tax audits, litigation, or in connection with campaign financing
reporting requirements to return to the customer, on the customer's request,
certain check facsimiles at no additional cost to the customer; altering the
purposes for which a customer with a truncated account may request the return
of a check; altering the number of checks that a banking institution must return
to a customer with a truncated account under certain circumstances; clarifying
that a banking institution may return a check facsimile instead of an original
check to a customer under certain circumstances; requiring a banking
institution, on request of a customer with a certain truncated account, to return
to the customer, on a regular basis, the customer's original checks or certain
check facsimiles under certain circumstances; requiring a banking institution,

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