Fed Extends Bank Deposit Info Rules for Three Years
Published Date: 11/17/2025
Notice
Summary
The Federal Reserve is extending and updating rules that banks follow to keep records and share info about when your deposited money becomes available. These changes kick in on December 17, 2025, and affect banks and their customers by keeping things clear and timely. No big costs are expected, just smoother banking for everyone!
Analyzed Economic Effects
4 provisions identified: 4 benefits, 0 costs, 0 mixed.
When Your Deposits Become Available
Regulation CC requires banks to make funds you deposit into transaction accounts available within specified time periods. This rule is being extended and revised and takes effect on December 17, 2025, so the timing rules about when you can use deposited money remain in force.
Banks Must Tell You Their Funds Policy
Regulation CC requires banks to disclose their funds availability policies to customers and provides model disclosure forms to help compliance. These disclosure requirements are extended and revised, effective December 17, 2025, so you should continue to receive clear information about your bank's rules.
Interest Starts Accruing Promptly
Regulation CC requires banks to begin accruing interest promptly on deposits in transaction accounts. The extension and revisions take effect on December 17, 2025, so interest-bearing deposits must start earning interest without undue delay.
Notices for Bounced and Substitute Checks
Regulation CC requires banks to provide notices related to nonpayment of certain checks and consumer awareness disclosures about substitute checks. The collection of those disclosure requirements is extended and revised, effective December 17, 2025, so you will keep receiving required notices if a check is not paid or a substitute check is used.
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