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.
Personalized for You
How does this regulation affect your finances?
Personalize government policy and PRIA will tell you what this federal register document means for your household, plus every other regulation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
Key Dates
Related Federal Register Documents
2026-08298, Regulatory Capital Rule: Community Bank Leverage Ratio Framework
Starting July 1, 2026, community banks get a break! The minimum leverage ratio drops from 9% to 8%, making it easier for smaller banks to meet rules. Plus, banks can now stay in this easier framework longer—up to four straight quarters instead of two—helping them manage their money better without rushing.
2026-05960, Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets
Big banks and community banks are getting new rules to better measure the risks in their loans and investments. The changes update how banks count certain assets and income when figuring out their safety net money, called regulatory capital. These updates aim to make banks safer and smarter with their money, with some rules kicking in soon and affecting how much capital banks need to hold.
2025-21625, Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework
The government wants to make it easier for small banks to stay in a special low-risk capital program by lowering the required leverage ratio from 9% to 8%. They’re also giving banks more time—up to four quarters instead of two—to fix any issues without losing their spot. Banks and bank holding companies should weigh in by January 30, 2026, as these changes could save them money and reduce red tape.
2025-21626, Regulatory Capital Rule: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; Total Loss-Absorbing Capacity and Long-Term Debt Requirements for U.S. Global Systemically Important Bank Holding Companies
Big U.S. banks that are super important to the economy are getting new rules to keep them safer and stronger. These changes tweak how much money they must keep on hand and how they handle long-term debt, helping prevent financial trouble. The new rules kick in soon and could affect how these banks manage billions in assets and debt.
2026-19702, Notice of Proposals to Engage in or To Acquire Companies Engaged in Permissible Nonbanking Activities
Some companies want to start or buy businesses that do activities related to banking but aren’t banks themselves. The Federal Reserve is checking these plans and asking the public to share their thoughts by October 13, 2026. This affects companies across the U.S. and helps keep banking activities safe and fair.
2026-19701, Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
If you're planning to buy or control shares in a bank or bank holding company, the Federal Reserve wants to know! They’re reviewing applications and inviting the public to share their thoughts by October 13, 2026. This process helps keep banks safe and sound while making sure big money moves get a thumbs-up from the regulators.
Previous / Next Documents
Previous: 2025-19931, Agency Information Collection Activities: Announcement of Board Approval Under Delegated Authority and Submission to OMB
The Federal Reserve is extending its Payments Research Survey for three more years without any changes. This survey helps banks and similar groups share important info about payment systems, so the Fed can keep things running smoothly. No new costs or deadlines—just a simple extension to keep the data flowing!
Next: 2025-19933, Proposed Agency Information Collection Activities; Comment Request
The Federal Reserve wants to keep collecting info about bank branch closures for three more years without changing the form. If you’re a bank or just interested, you can share your thoughts by January 16, 2026. This keeps things smooth and clear, with no new costs or surprises.