The Check 21 Act,effective in October 2004,does Which of the Following

The Check 21 Act,effective in October 2004,does which of the following?

A) Allows bank customers to better take advantage of bank float
B) Requires banks to immediately clear all customer deposits
C) Prohibits the Fed from being involved in check clearing to prevent unfair competition with private check clearing agencies
D) Authorizes the use of an electronic image to facilitate paperless check clearing
E) Eliminates all fees on checking