{"abstract":"The Board and the Bureau (Agencies) are amending Regulation CC, which implements the Expedited Funds Availability Act (EFA Act), to implement a statutory requirement in the EFA Act to adjust the dollar amounts under the EFA Act for inflation. The Agencies are also amending Regulation CC to incorporate the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA) amendments to the EFA Act, which include extending coverage to American Samoa, the Commonwealth of the Northern Mariana Islands, and Guam, and making certain other technical amendments.","action":"Final rule.","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2019/07/03/2019-13668.html","cfr_references":[{"chapter":null,"citation_url":null,"part":229,"title":12},{"chapter":null,"citation_url":null,"part":1030,"title":12}],"citation":"84 FR 31687","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This rule is effective September 3, 2019, except for the amendments to 12 CFR 229.1, 229.10, 229.11, 229.12(d), 229.21, and appendix E to part 229, which are effective July 1, 2020.","disposition_notes":null,"docket_ids":["Regulation CC","Docket No. R-1637","Docket No. CFPB-2018-0035"],"dockets":[],"document_number":"2019-13668","effective_on":"2019-09-03","end_page":31701,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2019/07/03/2019-13668.xml","html_url":"https://www.federalregister.gov/documents/2019/07/03/2019-13668/availability-of-funds-and-collection-of-checks-regulation-cc","images":{"ER03JY19.001":{"large":"https://img.federalregister.gov/ER03JY19.001/ER03JY19.001_large.png","original_size":"https://img.federalregister.gov/ER03JY19.001/ER03JY19.001_original_size.png"},"ER03JY19.002":{"large":"https://img.federalregister.gov/ER03JY19.002/ER03JY19.002_large.png","original_size":"https://img.federalregister.gov/ER03JY19.002/ER03JY19.002_original_size.png"}},"images_metadata":{"ER03JY19.001":{"large":{"identifier":"ER03JY19.001","content_type":"image/png","size":6702,"width":823,"sha":"c94d00f58b4cb8d2c350e2c62f8f3cd7","url":"https://img.federalregister.gov/ER03JY19.001/ER03JY19.001_large.png","height":72},"original_size":{"identifier":"ER03JY19.001","content_type":"image/png","size":8231,"width":3445,"sha":"45ace0ff496ae9c1470744ca0aa4f641","url":"https://img.federalregister.gov/ER03JY19.001/ER03JY19.001_original_size.png","height":300}},"ER03JY19.002":{"large":{"identifier":"ER03JY19.002","content_type":"image/png","size":4726,"width":621,"sha":"f7ca9423c3cbd26aed38718760427fdd","url":"https://img.federalregister.gov/ER03JY19.002/ER03JY19.002_large.png","height":79},"original_size":{"identifier":"ER03JY19.002","content_type":"image/png","size":3707,"width":2207,"sha":"918119ebfa6e2d69223ec64cef548f96","url":"https://img.federalregister.gov/ER03JY19.002/ER03JY19.002_original_size.png","height":282}}},"json_url":"https://www.federalregister.gov/api/v1/documents/2019-13668?publication_date=2019-07-03","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2019-07-03/2019-13668/mods.xml","not_received_for_publication":null,"page_length":15,"page_views":{"count":45831,"last_updated":"2026-10-22 14:15:05 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2019-07-03/pdf/2019-13668.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2019-13668.pdf?1562012118","publication_date":"2019-07-03","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2019/07/03/2019-13668.txt","regulation_id_number_info":{"3170-AA31":{"issue":"201904","html_url":"https://www.federalregister.gov/regulations/3170-AA31/the-expedited-funds-availability-act-regulation-cc-","title":"The Expedited Funds Availability Act (Regulation CC)","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201904&RIN=3170-AA31&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["3170-AA31"],"regulations_dot_gov_info":{"checked_regulationsdotgov_at":"2019-07-05T03:00:08Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":31687,"subtype":null,"title":"Availability of Funds and Collection of Checks (Regulation CC)","toc_doc":"Availability of Funds","toc_subject":null,"topics":["Advertising","Banks, banking","Consumer protection","Reporting and recordkeeping requirements","Savings associations"],"type":"Rule","volume":84}