ND HB1243

Increases maximum collection fees recoverable by check holders from $35 to $40 per instrument for insufficient funds and no-account checks.

Clarifies that electronic funds transfer authorizations and orders are subject to the same penalties as checks and drafts for insufficient funds violations.

Establishes civil penalty amounts as the lesser of $200 or three times the instrument amount, with specific language allowing holders' agents or representatives to bring civil actions independently.

Requires state's attorneys to accept instruments for prosecution within 120 days of dishonor notice, with failure to execute criminal complaints within this period barring prosecution.

Applies amended provisions to both N.D. Century Code sections 6-08-16 (insufficient funds) and 6-08-16.2 (no-account checks), including updated notice of dishonor forms reflecting the $40 fee limit.