# 2025-19932: Fed Extends Bank Deposit Info Rules for Three Years

2025-19932, Agency Information Collection Activities: Announcement of Board Approval Under Delegated Authority and Submission to OMB, is a Federal Register notice from Federal Reserve System published 2025-11-17, effective 2025-12-17 (as of 2026-06-08).

- Canonical: https://policyrisk.com/federal-register/2025-19932
- As of: 2026-06-08
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2025-19932
- Title: Agency Information Collection Activities: Announcement of Board Approval Under Delegated Authority and Submission to OMB
- Type: Notice
- Agencies: Federal Reserve System
- Citation: 90 FR 51355
- Published: 2025-11-17
- Effective: 2025-12-17
- Comments close: not stated
- Significant: no
- Touches household money: no
- Regulation identifier numbers: none
- Last updated: 2026-06-08

## In one line

Fed Extends Bank Deposit Info Rules for Three Years

## 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!

## Abstract

The Board of Governors of the Federal Reserve System (Board) is adopting a proposal to extend for three years, with revision, the Recordkeeping and Disclosure Requirements Associated with Regulation CC (FR CC; OMB No. 7100-0235).

## Effects PRIA read

- When Your Deposits Become Available: benefit, medium. 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: benefit, low. 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…
- Interest Starts Accruing Promptly: benefit, low. 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: benefit, low. 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…

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- [2026-05960](https://policyrisk.com/federal-register/2026-05960): Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets, 2026-03-27
- [2025-21625](https://policyrisk.com/federal-register/2025-21625): Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework, 2025-12-01
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## Sources
- [2025-19932 on federalregister.gov](https://www.federalregister.gov/documents/2025/11/17/2025-19932/agency-information-collection-activities-announcement-of-board-approval-under-delegated-authority)
- [2025-19932 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2025-11-17/pdf/2025-19932.pdf)

## Related
- [Previous: 2025-19931, Agency Information Collection Activities: Announcement of Board Approval Under…](https://policyrisk.com/federal-register/2025-19931)
- [Next: 2025-19933, Proposed Agency Information Collection Activities; Comment Request](https://policyrisk.com/federal-register/2025-19933)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2025-19932 (as of 2026-06-08).