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<strong>M record</strong> Modification record, a record type that may be included in unsolicited CommonLine response files, if requested. An M record is sent in response files to indicate status updates and changes made by a source other than the school' s CTSF (Change Transaction Send File).
<strong>Federal Reserve</strong> The Federal Reserve Act established 12 banks for holding government reserve funds. The banking industry uses the Federal Reserve system for transferring funds electronically via an overnight process. (See also ACH.)
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