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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Key Dates
Related Federal Register Documents
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.
2026-11978 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
If someone wants to buy enough shares to control a bank or bank holding company, they have to tell the Federal Reserve first. People can check these plans and share their thoughts by June 30, 2026. This keeps bank ownership clear and fair, making sure big changes don’t sneak by unnoticed.
2026-11522 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
If you or your family want to buy or control shares in a bank or bank holding company, you need to tell the Federal Reserve and wait for approval. The Federal Reserve reviews these requests carefully and invites the public to share their thoughts by June 24, 2026. This keeps bank ownership clear and fair, making sure big money moves get the green light before they happen.
2026-11523 — Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Some companies want to become bank holding companies or merge with others, which means they’ll control banks or other financial businesses. If you want to share your thoughts, you’ve got until July 9, 2026, to send comments. These changes could shake up local banking, so keep an eye on who’s joining forces and when!
2026-11448 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
Some folks want to buy shares in banks or bank companies, and the Federal Reserve is checking their applications to make sure everything’s fair and safe. If you want to share your thoughts, you’ve got until June 23, 2026, to speak up! This process helps keep banks strong and protects everyone’s money.
2026-11355 — Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Mascoma Mutual Financial Services from New Hampshire is merging with Androscoggin Bancorp in Maine and will also take over Portland Trust Company to offer trust services. This means bigger banking options and new services for customers in these areas. The Federal Reserve fixed a previous notice to make sure everyone knows the details clearly.
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.