BAD CHECK DIVERSION PROGRAM
A RESTITUTION GUIDE FOR MERCHANTS AND
Dear Virginia Merchants and Residents:
As consumers and taxpayers, we all pay higher prices because of the losses associated with people issuing worthless
checks. Law enforcement spends significant resources investigating and prosecuting people who issue worthless
checks. The number of worthless check cases increases every year.
In response to concerns regarding worthless checks, the Virginia Police Department, in conjunction with Financial
Crimes Services (FCS), has implemented a worthless check diversion program.
The main goals of the program are:
Restitution for victims
Increase accountability of people who issue worthless checks
Educate and assist Virginia merchants and residents in reducing the number of worthless check
Reduce the costs to law enforcement associated with investigating and prosecuting worthless check
The program is at no cost to the taxpayer or area merchants. It is solely supported by the people who issue the
If you have further questions after reviewing this packet, please contact the Financial Crimes Services (FCS) check
diversion program at 1-800-880-5420 or visit www.financialcrimes.net.
Virginia Police Department
The worthless check restitution program has four main goals. They are:
Increase the amount of restitution returned to victims of bad checks
Increase the accountability of all worthless check writers, regardless of the amount of the check
Promote to local merchants more effective check acceptance and protection procedures
Reduce the risk of repeat worthless check activity
The restitution program process is as follows:
1. Checks are entered into the FCS system.
2. Check writers are contacted by the FCS restitution program regarding the checks. Four scenarios
are then possible: