Important Regulation CC Changes Effective June 1, 2025
The Consumer Financial Protection Bureau (CFPB) and the Federal Reserve Board have announced adjustments to the dollar amounts used in Regulation CC, based on inflation. These updates affect how quickly account holders can access deposited funds.
Key changes include:
-
The minimum amount of funds that must be made available by the next business day for certain check deposits.
-
Updates to the amount of next-day available funds for check deposits into new accounts.
Understanding Regulation CC
Regulation CC outlines how financial institutions handle deposits and when funds must be made available. It is designed to speed up the check-clearing process, helping consumers get quicker access to their money. Timeframes vary based on the deposit method (such as checks, cash, or electronic transfers) and the paying bank's location.
Adjustments
-
Next Day available amount from $225 to $275
-
Case-by-Case Holds for Local Checks
-
-
2nd Day available amount under Exception Hold from $5,300 to $6,450
-
Large Deposit amount under Exception Hold from Over $5,525 to $6,725
-
Next Day available amount under Exception Hold from $5,525 to $6,725
-
US Treasury Checks
-
US Postal Money Order
-
FRB or FHLB Checks
-
State or Local Government checks
-
Cashier’s Check
-
Why did this change?
Due to the Expedited Funds Availability Act for inflation approved in 2020, the policies and regulations set forth by the Federal Reserve and the CFPB will be adjusted every 5 years.